作为金融央企信托机构，光大兴陇信托有限责任公司（以下简称"光大兴陇信托"）"十四五"时期积极锚定"共 同富裕"这一时代命题，以"金融向善"为核心理念，立足自身使命担当深耕主业、做精专业，创新探索信托赋能乡 村振兴新范式，深度融入地方社会民生建设大局，聚焦公益慈善发展、地方特色产业培育、基础设施完善、民生 福祉提升等关键领域，全力为地方经济社会高质量发展注入信托力量。 乡村振兴：筑牢基础设施建设之基 基础设施是乡村振兴的 "硬支撑"。全面推进乡村振兴，既要激活产业"引擎"，又要筑牢基建"基石"。 为深入贯彻"十四五"规划提出的"坚持农业农村优先发展、全面推进乡村振兴"，用信托的力量助推地方经济 发展，光大兴陇信托以服务特色小镇建设为抓手，为浙江省第一批37个特色小镇之一——绍兴黄酒小镇的保护、 修缮和提升以及区域内的道路、管线、景观绿化等市政配套设施，提供了有效的资金支持。 立足区域优势、聚焦产业需求，方能在乡村振兴赛道上跑出"加速度"。特色小镇作为集聚自然、文化、创新 资源的新载体，是承载大项目、好项目的新平台，也是浙江创新发展的战略选择，更要协同各方力量，打通资源 要素流通堵点，以资源整合释放金融服务潜能。 ...

您是否曾想过，一笔投入信托的财富，既能实现家族资产的稳健传承，又能化作照亮他人的温暖火光？ 这并非遥不可及的设想，而是2025年以来，随着相关政策与制度持续完善，慈善信托行业"加速度"发展 所带来的现实图景。 今年以来，制度体系的构建明显提速：1月1日，民政部门与金融监管部门联合出台的慈善信托配套细则 正式落地，为实践提供了清晰指引；同月，国务院办公厅转发的《关于信托业高质量发展的若干意见》 明确提出"积极发展公益慈善信托"；10月，《信托公司管理办法》完成修订，更是历史性地将"公益慈 善信托"确立为信托公司的三大主业之一。这一系列顶层设计的密集出台，共同构筑了行业蓬勃发展的 坚实基座。 慈善信托凭借其独特的"金融+公益"双重属性，精准地架起了一座桥梁：它一方面满足高净值人士对财 富规划与代际传承的核心需求，另一方面为其履行社会责任、参与公益事业提供了专业化、可持续的优 雅方案。 在政策利好的驱动下，市场创新实践尤为活跃。以上海信托为例，今年推出了"红宝石·萤火虫"集合资 金信托计划，为首单具备慈善捐赠功能的创新架构项目，引发了广泛关注。 蓬勃发展的势头在数据上得到了印证。根据"慈善中国"官网截至11月11日 ...

Core Insights - The event focused on family offices and their role in addressing intergenerational conflicts and enhancing management capabilities [1] Group 1: Intergenerational Conflict Resolution - Intergenerational conflicts in family businesses arise from differences in upbringing and risk preferences between founders and their successors [2] - Solutions include employing professionals with psychological expertise in family offices to facilitate communication between generations [2] - Emphasizing the importance of early exposure for the third generation to family business operations to foster understanding and connection [2][3] Group 2: Family Office Management Capabilities - Family offices should act as a "glue" for family cohesion, especially post-sale of family businesses, by engaging in strategic charitable activities [4] - Not all family businesses require a family office; the effectiveness depends on the core members' ability to set a positive example [4] - Family offices are encouraged to focus on impact investing, balancing financial returns with social benefits, particularly in sectors like environmental protection and healthcare [4][6] Group 3: Strategic Wealth Management - Recommendations for wealth distribution include retaining 70% of core assets under the first generation's control while allocating portions for exploration and philanthropy [3] - Family offices should evolve into "chief architects" that not only promote strategic philanthropy but also support the development of future generations through various tools [4] - The development stages of family offices should align with client needs, focusing on practical family requirements such as education and healthcare [5]

Core Insights - Charitable trusts are increasingly important in mobilizing social resources and promoting public welfare development in China [1] - The revised Charity Law and new regulations effective from January 1, 2025, enhance the regulatory framework for charitable trusts, providing a solid foundation for their standardized development across the country [1] Group 1: Regional Performance - Zhejiang, Beijing, Guangdong, Jiangsu, and Shanghai are leading in charitable trust development, showing strong performance in new registrations, cumulative registrations, and total asset scale [2] - As of September 2, 2025, Zhejiang has 193 new registrations, 824 cumulative registrations, and a total asset scale of 257,607.02 million yuan, ranking first [2] - Beijing follows with 57 new registrations, 230 cumulative registrations, and a total asset scale of 158,079.29 million yuan [2] - Guangdong has 53 new registrations, 180 cumulative registrations, and a total asset scale of 178,883.63 million yuan [2] - Jiangsu and Shanghai also show notable figures with 51 new registrations and 14,807.07 million yuan in total assets for Jiangsu, and 23 new registrations and 30,985.37 million yuan for Shanghai [2] Group 2: Growth in Less Developed Regions - Regions like Tibet, Qinghai, Gansu, and Xinjiang show growth in charitable trust registrations, albeit at lower levels compared to coastal areas [3] - Gansu has 11 new registrations and a cumulative total of 175 registrations with a total asset scale of 91,687.14 million yuan [3] - Qinghai's total asset scale reaches 28,746.99 million yuan, while Xinjiang and Tibet show a trend of "small amounts with many registrations" [3] Group 3: Trust Company Trends - Trust companies are increasingly concentrated in eastern coastal cities such as Jiangsu, Zhejiang, Guangdong, Beijing, and Shanghai [4][5] - Companies like Everbright Trust and Zhongcheng Trust are actively collaborating with local charitable organizations to expand their charitable trust business [4] - Centralized operations in major cities allow for better coordination and development of charitable trust projects [4] Group 4: Policy Support and Legal Environment - The rapid development of charitable trusts in certain regions is supported by local government policies, including tax incentives and project support [7] - Zhejiang has initiated pilot programs for equity charitable trusts and allows charitable organizations to issue tax-deductible donation receipts [7] - Shanghai and Beijing have also introduced measures to standardize charitable trust operations, providing clear guidelines and stable policy expectations [7][8]

Core Insights - The charity trust business of trust companies has traditionally focused on rural revitalization and educational assistance, but the increasing diversity of social needs requires innovative business models for high-quality development [1] - Trust companies must adapt their charity trust services to local conditions, identifying regional pain points and opportunities to create tailored products and services [1] Group 1: Focus Areas of Charity Trusts - Charity trusts are primarily concentrated in three areas: education, rural revitalization, and healthcare, with 42, 23, and 9 registrations respectively in the first half of 2025 [2] - Zhongcheng Trust has registered a total of 68 charity trusts with a scale exceeding 200 million yuan, benefiting 460,000 people, focusing mainly on education and rural revitalization [2] - The "Yongzhuo Holdings Yonglian Village Rural Revitalization Charity Trust" established by Zhongcheng Trust has a registration scale of 100 million yuan and has already disbursed 20 million yuan for charitable purposes [2] Group 2: Innovative Charity Trust Projects - The "Hanguangxin. Hailiang Digital Intelligence Common Prosperity Charity Trust" is a significant innovation, utilizing data asset rights as trust property for charity, marking a first in the domestic charity trust sector [4] - Zhongyuan Trust has established 24 charity trusts with a management scale exceeding 14 million yuan, focusing on long-term support for rural schools through various initiatives [3] - Jianxin Trust's "Anxin Good Nurturing" charity trust has attracted participation from multiple enterprises, enhancing emergency rescue capabilities in local nursing homes [3] Group 3: Regional Adaptation and Practices - Trust companies in regions like Yunnan, Xinjiang, Shandong, and Tibet are developing charity trusts tailored to local needs, contributing to social development and providing diverse practical experiences [6] - Yunnan Trust has initiated the "Yunxin Yun Charity - Green Foundation - Yunnan Rare Endangered Species Protection Charity Trust," focusing on ecological protection and rural revitalization [6] - Shandong Trust has emphasized education, with 21 out of 24 new registrations related to educational initiatives, totaling 30.16 million yuan [7] Group 4: Future Outlook - The combination of regional characteristics and professional trust services is expected to enhance the development of charity trusts, leading to greater contributions to high-quality public welfare [8]

Core Insights - Charitable trusts are increasingly important in mobilizing social resources and promoting public welfare, especially after the implementation of the revised Charity Law, which has improved the regulatory framework for charitable trusts [1] - The new regulations on annual expenditures and management fees for charitable trusts will take effect on January 1, 2025, providing a solid foundation for the standardized development of charitable trusts across the country [1] Group 1: Regional Development of Charitable Trusts - Regions such as Zhejiang, Beijing, Guangdong, Jiangsu, and Shanghai are leading in the development of charitable trusts, showing strong performance in new registrations, cumulative registrations, and total asset scale [2] - As of September 2, 2025, Zhejiang has the highest new registrations at 193, cumulative registrations at 824, and total assets of 257,607.02 million yuan, followed by Beijing with 57 new registrations, 230 cumulative registrations, and total assets of 158,079.29 million yuan [2] - Other regions like Gansu, Qinghai, Xinjiang, and Tibet have also shown growth in charitable trust registrations, albeit at a lower scale compared to the eastern coastal regions [3] Group 2: Trust Companies' Focus - Trust companies are increasingly concentrated in eastern coastal cities such as Jiangsu, Zhejiang, and Shanghai, reflecting a trend towards these economically developed areas [4][5] - Companies like Everbright Trust and Zhongcheng Trust have established significant charitable trust projects in these regions, leveraging local government support and collaboration with charitable organizations [4] Group 3: Policy Support and Legal Environment - The rapid development of charitable trusts in regions like Zhejiang and Shanghai is supported by local government policies that encourage charitable activities, including tax incentives and project support [7][8] - Recent initiatives in Zhejiang and Shanghai aim to innovate charitable trust operations, such as the pilot registration of equity charitable trusts and real estate trust registration, which enhance the flexibility and customization of charitable tools [8]

通过慈善中国官网数据以及调研分析，《金融时报》记者发现，各地信托公司作为连接本地资源与 公益需求的重要纽带，能否立足区域实际情况，挖掘本土化的公益痛点与发展机遇，设计出贴合地方特 色的慈善信托产品与服务方案，直接关系到慈善信托的落地效果与影响力。 长期以来，信托公司开展的慈善信托业务多聚焦于乡村振兴与教育帮扶等领域，随着社会需求的日 益多元化、公益场景的不断丰富，信托公司如何实现业务模式的创新突破，成为行业高质量发展的关键 课题。 我国地域辽阔，不同地区在经济发展水平、社会需求等方面存在显著差异，这也决定了慈善信托业 务不能采取"一刀切"的模式。 聚焦一 信托公司的守正与创新 在信托目的方面，慈善信托关注领域相对集中，教育、乡村振兴和医疗是关注最多的三个领域。中 国公益研究院根据慈善中国平台数据整理后发现，上述三个领域在2025年上半年分别备案42单、23单和 9单。体现出委托人和受托人愈发从慈善信托开展的效率和精准度入手，寻求用更短的时间、更匹配的 资源，有效达成慈善目的。 中诚信托在全国累计备案慈善信托68单，备案规模超过2亿元，遍布4个省/直辖市，惠及群众46万 人次，其中，教育与乡村振兴是其主要发力领 ...

Core Insights - The total scale of charitable trusts reached 9.709 billion yuan with 2,523 registered cases as of September 2, 2025, indicating significant growth in charitable trusts since the implementation of the Charity Law in China [1] - Charitable trusts have developed unique local characteristics, enhancing the appeal and effectiveness of charitable projects across various regions [1] Group 1: Regional Development - Zhejiang, Beijing, and Guangdong lead in the number and scale of charitable trusts due to supportive local policies and strong willingness from grassroots charitable organizations [2] - In Zhejiang, charitable trusts account for approximately one-third of the national total, driven by robust local policies and active engagement from trust companies [2] - Beijing has implemented measures to standardize charitable trust operations, including standardized contracts and expert review mechanisms, providing clear guidelines for trust companies [2] Group 2: Institutional Advantages - The institutional advantages of trusts have become more prominent, facilitating the sourcing of charitable funds through partnerships with financial institutions and charitable organizations [3] - Trust companies are integrating charitable trust services into banking client service systems, leveraging the expertise of trusts, banks, and charitable organizations to create comprehensive "charity + finance" solutions [3] - The independent and professional management of trust assets enhances the reach and effectiveness of charitable initiatives, allowing more beneficiaries to be served [3]

近日，21世纪经济报道（以下简称《21世纪》）记者就慈善信托如何助力共同富裕专访中国慈善联合会 慈善信托工作委员会主任蔡概还。他指出，慈善信托在缩小财富差距、促进社会公平方面具有不可替代 的作用，但税收优惠落地难、信托登记制度缺失仍是当前最大瓶颈。 《21世纪》：慈善信托在"共同富裕"和"第三次分配"国家战略中的独特价值有哪些？ 蔡概还：党的二十大报告指出，分配制度是促进共同富裕的基础性制度。坚持按劳分配为主体、多种分 配方式并存，构建初次分配、再分配、第三次分配协调配套的制度体系。要引导、支持有意愿有能力的 企业、社会组织和个人积极参与公益慈善事业。 在共同富裕迈向实质性推进的阶段，如何通过制度创新激活三次分配已成为关键议题。慈善信托作为联 结私人财富与公共福祉的工具，正被赋予重要期待。 随着我国社会经济发展和人民收入水平提升，以公益慈善事业为主体的三次分配在推进共同富裕中的作 用将越来越显著。其中，慈善信托是我国公益慈善事业的重要组成部分，也是三次分配的重要新生力 量。发展慈善信托，将有利于我国慈善事业的高质量发展，助推第三次分配，助力共同富裕。 慈善信托的核心要义是慈善信托财产的本金和收益要全部用于公益 ...

Core Viewpoint - Charitable trusts are emerging as a new model that integrates financial tools with public welfare goals, playing a significant role in serving national strategies and adjusting income distribution [1][4]. Group 1: Role of Charitable Trusts - Charitable trusts can effectively address national strategies by providing customized solutions for specific areas such as rural revitalization, common prosperity, and green development [5]. - The independent and sustainable management of charitable trusts allows for the perpetual operation of public welfare resources, enabling long-term investments in areas requiring sustained funding, such as renewable energy and ecological restoration [5][6]. - Charitable trusts serve as a cross-sector platform that integrates various stakeholders, including government, enterprises, and social organizations, to create a synergistic effect in resource allocation [5][7]. Group 2: Advantages for State-Owned Enterprises (SOEs) - SOEs possess significant funding and resource integration capabilities, allowing them to create large-scale public welfare funding pools through charitable trusts [7]. - The social credibility of SOEs provides a natural endorsement for charitable trusts, facilitating trust from the government, public, and beneficiaries [7][8]. - Charitable trusts enable SOEs to align their development outcomes with public welfare, thereby enhancing their role in promoting common prosperity [6][9]. Group 3: Challenges Faced by Charitable Trusts - There are challenges in aligning regulatory frameworks, as existing regulations may not fully accommodate charitable trusts within the scope of SOE donations [8]. - Public awareness and understanding of charitable trusts are limited, leading to high communication costs and low cooperation efficiency [8]. - The successful implementation of charitable trusts requires cross-disciplinary talents who are proficient in industry operations, charitable attributes, and trust mechanisms [8]. Group 4: Motivation for Establishing Charitable Trusts - Policy incentives drive SOEs to establish charitable trusts, as the government encourages new donation methods to support various social initiatives [9]. - The inherent responsibilities of SOEs necessitate their involvement in social welfare, making charitable trusts a strategic choice for fulfilling these obligations [9][10]. Group 5: Integration with Core Business - Charitable trusts can be integrated into the entire energy industry chain, addressing local issues such as education through targeted funding [10]. - SOEs can leverage their infrastructure to create a comprehensive public welfare network, ensuring long-term funding for charitable initiatives [10]. - This integration fosters a virtuous cycle where public welfare projects support business development, and business growth, in turn, enhances public welfare contributions [10].