2 1 Shi Ji Jing Ji Bao Dao·2025-12-05 05:55Core Viewpoint - The high-net-worth individuals are increasingly seeking specialized and customized charitable services from financial institutions, prompting a systematic upgrade in charity financial services by institutions like Bank of Communications [1] Group 1: Charity Financial Service Development - On November 28, Bank of Communications launched the "Rui Shan" charity financial service plan, optimizing charity services across five dimensions: model, scenario, experience, channel, and ecosystem [1] - The plan includes three main service categories: public charity trusts, asset service trusts, and asset management products, covering six public welfare areas such as rural revitalization and medical assistance [1] - Since establishing its first charity trust in 2019, the bank has set up over 60 charity trusts, attracting nearly 4,000 clients and accumulating donations of approximately 26 million yuan [1] Group 2: Client and Channel Demand Changes - Client demand has evolved from "single donation" to a comprehensive "wealth + charity" approach, with a focus on family legacy and active participation in charity projects [3] - There is a shift in channel demand from "single product" to "ecological service," requiring banks to integrate various resources to provide customized, one-stop services [3] Group 3: Role of Banks in Charity Trust Development - Banks play a multifaceted role in charity trusts, acting as secure custodians of trust assets, financial and investment advisors, important fundraising channels, and resource integrators [4] - The bank's professional fund management and risk control capabilities ensure the safety and compliance of charitable funds [4] Group 4: Challenges in Charity Trust Operations - Current challenges include difficulties in pooling diverse assets, improving fund usage efficiency and transparency, and enhancing public awareness and participation in charity [5] - Non-cash assets face obstacles due to incomplete registration systems and unclear tax policies, limiting the diversity of asset sources [5] Group 5: Innovations to Address Challenges - The bank is innovating its products and service models, such as establishing a Donor-Advised Fund (DAF) charity trust to lower donation thresholds and encourage family participation [6] - New product designs, like combining asset management trusts with charity trusts, aim to balance asset appreciation with charitable goals [6]