在建设金融强国、培育中国特色金融文化的背景下，家风传承已成为家庭财富保护、企业治理甚至推动 社会文明进步的重要一环。以信托为代表的现代金融工具，秉持"金融为民"理念，引导向善的力量，正 将抽象的家风传承转化为可操作、可复制的实践方案。 7月4日，国投泰康信托与惠裕全球家族智库联合研创的《文明的引擎：中国式家风传承洞察报告》(以 下简称《报告》)在京发布。作为国内首份系统构建"家风传承信托"理论与服务体系的引领性报告，该 报告首次深度连接家风传承与金融工具，构建了"中国式家风制度化传承"的可行范式。现代社会大小家 庭多面临着如何凝聚家庭共识、助力家风建设与传承的难题，《报告》用一系列具体案例、实操框架与 路径对此给予了建设性回应。 从理念到工具，家风建设与传承的创新探索 在家庭的经营中，除了记录有形资产与负债的资产负债表，还有无形的"精神资产负债表"——家风，它 影响着家庭未来存续与发展。国投泰康信托相关负责人表示："随着现代家庭财富管理迈入'精耕时 代'，财富传承与精神传承正在成为关键课题。我们在构建家庭金融服务体系过程中，尤为重视通过信 托工具实现财富与精神的双重传承。以信托之力推动家风建设与传承，助力汇聚 ...

Core Insights - The report emphasizes the integration of family values with financial tools, proposing a feasible model for institutionalizing family value transmission in China [1][2][6] - It highlights the importance of family value transmission in wealth protection, family governance, and social civilization construction, providing standardized solutions from concept to practice [1][2] Group 1: Family Value Transmission and Trust Tools - The concept of a "spiritual asset balance sheet" is introduced, indicating that family values, although intangible, significantly impact family sustainability and development [2][4] - The report presents a "family value transmission trust" that combines moral and governance practices, aiming to extend family value transmission beyond ultra-high-net-worth families to middle-income families [2][5] - A dual-track template is proposed, offering differentiated operational frameworks for middle-income families and high-net-worth families, showcasing the inclusivity of trust services [2][5] Group 2: Methodology and Research Findings - The report employs a combination of in-depth interviews with eight representative Chinese families and insights from eleven experts across various fields, focusing on traditional culture, intergenerational governance, and legal tool applications [4][6] - It outlines a three-phase methodology for family value construction and transmission, emphasizing both spiritual recognition and legal support through trust tools [3][6] - The report draws comparisons between Chinese and Western family governance models, providing a comprehensive view of family value transmission mechanisms [4][6] Group 3: Industry Implications and Future Directions - The report signifies a shift in the trust industry towards a service model grounded in spiritual values and professional capabilities, marking a new phase in the industry [6] - By incorporating family values into a structured framework, the report offers a pathway for the trust industry to explore social value, potentially opening new development spaces [6] - The integration of family value transmission into financial services reflects a deeper exploration of the trust service's intrinsic value, aligning with the evolving market demands [5][6]