The issues on the health, finance and care of the older people have obtained more attention in the aging society. Moreover, due to the growth of disabled people, the manpower demand of caregiver is greatly increasing. The concept of service credits bank system is based on the spirit of mutual help. Not only the distance between middle-aged and older people can be shortened, but also the problem of caregiver manpower can be solved through serving as volunteers. From the process of mutual help, the middle-aged and older people can affirm their life meaning and value. In addition, they can achieve the goal of successful aging. In order to understand the behavioral intention of participating service credit bank system for middle-aged and older people, the study combined the theory of planned behavior with “Social Responsibility” to build the research framework. The subjects of this study were people aged over 45 years old who lives in Nantou County. The questionnaire survey was used to investigate the influencing factor of behavioral intention of participating service credit bank system for middle-aged and older people. The results showed that the female, participated volunteers and wealthier people had more recognition of “participate attitude”, “subjective norm”, ”perceived behavioral control”, “social responsibility” and “behavioral intention ” on participating in service credits bank system. The better educational background is, the more recognition of “participate attitude”, “subjective norm” and “perceived behavioral control” of participating service credit bank system they have. Besides, the multiple regression analysis showed that “participate attitude”, “subjective norm”, “perceived behavioral control” and “social responsibility” were positively affect the behavioral intention of participating service credit bank system. Among them, “perceived behavioral control” and “social responsibility” were the most important influencing factors.