由北京市通州区人民政府指导，《财经》杂志、财经网、《财经智库》主办的"《财经》年会2026：预测与战略·年度对话暨2025全球财富管理论坛"于12月 18日至20日在北京举行，主题为"变局中的中国定力"。 12月20日，在以"新时代的财富传承"为主题的圆桌论坛环节中，昆仑信托总经理江昱洁从家族信托的功能作用、家族信托如何与中华优秀传统文化相结合等 角度展开分享。 昆仑信托总经理江昱洁 江昱洁表示，家族信托作为信托最本源的业务之一，其核心功能在于财产的独立性与风险的隔离性。通过法律架构设计，信托财产独立于个人、企业和家族 财产，能够有效应对婚姻变动、债务纠纷及企业经营风险，实现财富的安全传承与分配控制。此外，家族信托也具备税务筹划、隐私保护等功能。 江昱洁强调，应推动家族信托与中国优秀传统文化传承相结合，从"财富保值"向"社会价值创造"升级。近年来，家族信托越来越多地融入了慈善信托或公益 目的，这引导家族从关注内部财富分配，转向思考财富的社会意义。通过共同参与慈善（公益）项目，后代不仅能学习财富管理，更能培养社会责任感和领 导力，将"家族传承"提升为"社会贡献"，为家族赢得持久的尊重与影响力。 他进一步指出，家 ...

Core Viewpoint - The recent promotional activity by banks offering gifts for deposits, such as "5,000 yuan for a blind box," has sparked discussions but was halted due to regulatory compliance issues [1] Group 1: Compliance and Regulatory Issues - Banks are prohibited from attracting deposits through improper means such as cash returns or gifts, which constitutes a violation of regulations [1] - The practice of offering gifts for deposits can lead to increased competition among banks, disrupting market order and potentially raising the cost of liabilities [1][2] - Non-compliance can result in severe penalties from regulatory authorities, damaging the bank's reputation and leading to customer loss [2][3] Group 2: Innovation and Customer Attraction - While innovation in customer attraction is positive, banks should focus on enhancing products and services rather than merely offering enticing gifts [2] - Banks need to strengthen internal management and establish compliance review mechanisms to prevent violations before launching new initiatives [2] - Utilizing financial technology to improve service quality and offering personalized financial products can better meet diverse customer needs [2] Group 3: Communication with Regulators - Maintaining close communication with regulatory bodies is essential for ensuring that innovative activities remain within compliance frameworks [3] - Regulatory authorities should enhance oversight mechanisms and increase penalties for violations to deter banks from breaching compliance [3] - Innovation should not come at the expense of compliance, as sustainable development and market stability depend on adhering to regulatory standards [3]