昆仑信托总经理江昱洁：守正创新推动家族信托从“财富传承”向“文明传承”跨越

Core Viewpoint - The family trust serves as a fundamental business in wealth management, emphasizing property independence and risk isolation, which are essential for effective wealth transfer and control [3][6][10] Group 1: Family Trust Functions - The core functions of family trusts include property independence and risk isolation, allowing for effective management of marital changes, debt disputes, and business risks [3][6] - Family trusts also facilitate wealth transfer and distribution control, which is particularly important for larger family units [6][7] - Additional functions include tax planning and privacy protection, which are governed by legal frameworks [6][7] Group 2: Integration with Traditional Culture - There is a push to integrate family trusts with Chinese traditional culture, enhancing the social value of wealth beyond mere preservation [3][7] - Family trusts are increasingly being linked to charitable trusts, encouraging families to consider the social implications of their wealth [3][7] Group 3: Innovation and Tradition - The concept of "guarding tradition and innovating" is emphasized, where tradition ensures the stability of family wealth, while innovation allows for the evolution of family values and governance [4][8] - This approach aims to create a sustainable and respected family civilization system that transcends mere wealth transfer to encompass cultural legacy [4][8] Group 4: Future Development of Trust Industry - The trust industry is viewed as a resource integration platform, necessitating the development of specialized teams that encompass finance, law, and tax expertise [4][9] - Trust companies must balance the true intentions of clients with enhanced asset allocation capabilities, requiring advancements in information systems and artificial intelligence [9][10] Group 5: Compliance and Ethical Standards - It is crucial for trust companies to adhere to compliance standards to ensure long-term stability and integrity within the industry [5][10] - Family trusts should not be perceived as tools for evading debts or taxes, but rather as legitimate means for wealth management and protection [5][10]