在江苏，多家信托机构率先迈出探索步伐，形成了各具特色的产品与服务模式。 "特殊需要信托不是简单地接受资金进行理财，而是在民政部门、信托公司、服务机构、监护人、 公益慈善组织等的通力协作下，搭建特需人士终身所需的服务和保障体系。诚然，这样的体系也难以在 一夜之间搭建成熟，需要各方不断磨合、逐渐完善，并将沟通协作机制制度化。相应地，特殊需要家庭 也需要多一些耐心和信心，一起推动努力。"国联信托副总经理邓清泉表示。 2024年底，在无锡市民政局的见证下，国联信托与某孤独症患者家庭成员签署了"恒心24001号"特 殊需要信托合同。据了解，这是"信托架桥、政府兜底"的特殊需要信托运作模式，标志着无锡首单特殊 需要信托落地。 这种运作模式有何意义？在业内人士看来，特殊需要信托需要多方参与、形成相对完善的解决方案 才可能让委托家庭放心。 心智障碍家庭的托付焦虑如影随形，无子女老人的养老担忧挥之不去，这些日益凸显的问题正成为 摆在社会面前亟待破解的民生课题。 在江苏，还有一家信托公司将目光聚焦于养老场景，凭借金融之力为有特殊需要的老年人提供了坚 实的保障。 据中国残联数据，我国有8500多万名残疾人，其中，心智障碍者大约有1 ...

Core Viewpoint - The establishment of the "Beijing Canal Cornerstone Charity Trust" aims to alleviate the financial burden on families with special needs by providing subsidies for real estate trust setup costs, particularly focusing on transaction taxes, with a maximum subsidy of 20,000 yuan per household [1][6]. Group 1: Trust Establishment and Purpose - The "Beijing Canal Cornerstone Charity Trust" was initiated to support families with special needs in Beijing by subsidizing the costs associated with establishing real estate trusts [1][5]. - The trust is a collaborative effort involving the Tongzhou District Civil Affairs Bureau, local citizens, and the Beijing Huizhong Charity Foundation, with Hua Bao Trust acting as the trustee [1][6]. Group 2: Special Needs Population Statistics - As of November 2024, there are approximately 35 million disabled elderly individuals in China, accounting for 11.6% of the total elderly population, with projections indicating this number could rise to 46 million by 2035 [2]. - The estimated population of individuals with intellectual disabilities in China ranges from 12 million to 20 million [2]. Group 3: Regulatory Framework and Implementation - The introduction of the "Notice on Regulating Trust Companies' Trust Business Classification" has led to increased interest in special needs trusts, particularly those involving real estate, as a means of ensuring long-term care and asset protection for vulnerable populations [3]. - The State Council approved a plan to explore the establishment of a registration mechanism for trust assets, including real estate and equity, under controlled risks [3]. Group 4: Financial Implications and Challenges - The current tax structure poses challenges for families establishing real estate trusts, as the tax rates on trust property transfers are higher than those for direct personal ownership, along with annual property taxes and capital gains taxes upon property disposal [5][6]. - The establishment of the charity trust is seen as a beneficial exploration of government guidance and social participation in addressing public welfare issues [6]. Group 5: Trust Management and Oversight - Hua Bao Trust will manage the trust assets professionally and prudently, ensuring that funds are used specifically for the intended subsidies [7]. - The China Postal Savings Bank will securely manage the trust funds and ensure timely disbursement to eligible families [7].

Core Viewpoint - The Ningbo Financial Regulatory Bureau has responded to a proposal regarding the development of special needs trusts in Ningbo, emphasizing its positive significance for helping special difficulty groups [1] Summary by Relevant Sections Proposal Aspects - The proposal by Wang Zhengrong includes six key aspects aimed at promoting special needs trusts [2][3] - Encourage multi-party participation from government departments, NGOs, trust companies, law firms, and community service organizations to build a service network for special needs trusts [2] - Increase awareness and understanding of special needs trusts among government departments, especially in civil affairs and judicial sectors, as well as the general public [2] - Establish a regular communication and coordination mechanism among civil affairs, finance, and judicial departments [3] - Recommend the city government to introduce supportive policies for special needs trusts, including tax incentives or financial subsidies for families transferring real estate to trust accounts [3] - Develop a comprehensive assessment mechanism to accurately identify eligible difficult groups, ensuring fairness and effectiveness of subsidy policies [3] - Organize professional training for government officials, financial institutions, social workers, and legal professionals to enhance their understanding and practical skills related to special needs trusts [3] Ongoing Efforts and Future Plans - The Ningbo Financial Regulatory Bureau is committed to enhancing financial services for special difficulty groups and will continue to encourage trust companies to focus on charitable trusts [4] - The bureau will work with civil affairs and other departments to establish a daily communication mechanism and actively participate in the revision of the Ningbo Charity Promotion Regulations to support the development of charitable trusts [4] - The Ningbo Financial Regulatory Bureau will promote the exploration and innovation in the charitable trust sector, ensuring that any new tax policies for special needs trusts are communicated effectively [5][6]