车耳：信托是最能发挥人类想象力的金融工具

Core Insights - The core of the trust industry is "trust," with trustees expected to carry high credibility and responsibility, a status that is more respected than CEOs in foreign contexts [2][7] - The domestic trust industry has been labeled as "channel business," deviating from its original purpose [2][7] Trust Applications - Trusts are seen as versatile financial tools that should cover multiple dimensions of social life, with diverse products available abroad, such as educational trusts for students, medical and care trusts for the elderly, special care trusts, and will trusts [2][7] - A unique "sprinkler trust" model exists for vulnerable groups, allowing for flexible resource allocation based on beneficiaries' actual needs, providing more support to weaker members [3][7] Trust Innovation - The introduction of the "blind trust" model from abroad is suggested, which allows high-net-worth individuals to delegate asset management to trust institutions without participating in decision-making, thus avoiding conflicts of interest [3][8] - The concept of "posthumous presumed trust" is mentioned, where even without a formal trust agreement, courts can recognize a trust relationship based on fairness principles in cases like competing wills in blended families [3][8] Recommendations for Estate Planning - Three key recommendations are made to address issues like the recent case of a single woman in Shanghai facing difficulties with asset disposal after death: 1. Establish a will early to break the taboo surrounding wills and plan for afterlife matters [3][8] 2. Designate a guardian to clarify decision-making authority in emergencies [3][8] 3. Provide emergency contact information to avoid situations where no one is aware of an incident [3][8] Crisis Awareness - Emphasis is placed on the importance of crisis awareness and early planning as core strategies to address such issues, with trust tools being essential for implementing these plans [4][8]