破解家风“隐形资产负债表” 信托工具首次系统化赋能中国家庭精神传承

Core Insights - The report emphasizes the integration of family values with financial tools, proposing a feasible model for institutionalizing family value transmission in China [1][2][6] - It highlights the importance of family value transmission in wealth protection, family governance, and social civilization construction, providing standardized solutions from concept to practice [1][2] Group 1: Family Value Transmission and Trust Tools - The concept of a "spiritual asset balance sheet" is introduced, indicating that family values, although intangible, significantly impact family sustainability and development [2][4] - The report presents a "family value transmission trust" that combines moral and governance practices, aiming to extend family value transmission beyond ultra-high-net-worth families to middle-income families [2][5] - A dual-track template is proposed, offering differentiated operational frameworks for middle-income families and high-net-worth families, showcasing the inclusivity of trust services [2][5] Group 2: Methodology and Research Findings - The report employs a combination of in-depth interviews with eight representative Chinese families and insights from eleven experts across various fields, focusing on traditional culture, intergenerational governance, and legal tool applications [4][6] - It outlines a three-phase methodology for family value construction and transmission, emphasizing both spiritual recognition and legal support through trust tools [3][6] - The report draws comparisons between Chinese and Western family governance models, providing a comprehensive view of family value transmission mechanisms [4][6] Group 3: Industry Implications and Future Directions - The report signifies a shift in the trust industry towards a service model grounded in spiritual values and professional capabilities, marking a new phase in the industry [6] - By incorporating family values into a structured framework, the report offers a pathway for the trust industry to explore social value, potentially opening new development spaces [6] - The integration of family value transmission into financial services reflects a deeper exploration of the trust service's intrinsic value, aligning with the evolving market demands [5][6]