中国外贸信托对养老金融的理解，并未止步于理论阐释或单一案例，同时将这种制度认知转化为一系列 深入社会肌理的创新实践。就在盛典前夕的11月，中国外贸信托在贵州省成功落地了首单特殊需要信 托，为一位因精神疾病长期漂泊、后被政府寻回安置的陈女士量身定制的养老资金保障方案。该信托通 过司法、行政、社区与金融多方协同的模式，在法院指定社区居委会为合法监护人的法律基础上，由信 托公司担任受托人，专业管理养老资金，确保其用于受益人的照护与生活，从制度上解决了特殊困难群 体的养老难题。 这并非孤例。早在十余年前公司开启家族信托业务时，就关注到养老客户需求，并为其提供配套的养老 权益和养老服务。随着信托的普惠化，公司充分发挥服务信托的特点，进一步扩大服务人群。2024年， 公司创新推出"意定监护+特需信托"的养老服务信托，先后为北京、重庆、贵州等地的多位独身老人破 解孤老困局。2025年4月，公司积极响应北京不动产信托登记试点，落地北京首单不动产信托，满 足"422"双独家庭的养老、育儿、公益慈善等多种需求，也为信托装入多样资产、提供养老服务打造新 范本。截至目前，中国外贸信托养老信托相关业务存续规模超20亿元，累计为超900 ...

上海国际信托凭借在公益慈善、金融惠民及行业责任领域的扎 实实践与创新突破，成功斩获"社会责任领航企业"荣誉，成为 信托行业践行社会责任的标杆代表。 作者：李默 黄金新政背后的产业链变局 被网络烂梗包围的小学生 由《经济观察报》主办的2024-2025年度"受尊敬企业"年会在北京香格里拉大饭店隆重举办。本 次年会以"智创未来，向新而行"为主题，聚焦企业高质量发展与社会责任深度融合，经过大众评 审与专家评审的多维度严苛考核， 上海信托凭借在公益慈善、金融惠民及行业责任领域的扎实实 践与创新突破，成功斩获"社会责任领航企业"荣誉，成为信托行业践行社会责任的标杆代表。 作为国内极具权威性的企业评选活动之一，本次"受尊敬企业"评选围绕优质运营、创新突破、社 会贡献、公众信赖、年度影响五大核心指标，旨在发掘对经济发展、民生改善、行业进步具有突出 贡献的企业典范。年会特设"责任之路"核心环节，集中展示企业社会责任实践成果与创新模式， 上海信托的获奖，既是对其40余年坚守"金融为民、信托向善"核心理念的高度认可，也彰显了行 业与社会对信托机构以专业能力赋能社会发展的价值肯定。 在社会责任实践中，上海信托构建了特色鲜明的责任体 ...

Group 1 - The event "Little Hands Pulling Big Hands, Fun Sports Together" held in Nanjing is a charity carnival aimed at supporting children with special needs, showcasing a strong community engagement and warmth [1] - The charity event was organized by Zijin Trust, which announced a contribution of 1 million yuan to establish the "Houde No. 15" charity trust, specifically for aiding families with critically ill children and disabled children [1] - The charity sale at the event attracted significant participation, with various items being sold to raise funds for the cause, reflecting the community's commitment to supporting vulnerable groups [1] Group 2 - As of December 2, 2025, Nanjing has registered 100 charity trust projects with a total asset scale of 113 million yuan, indicating a robust development in charity trusts in the region [2] - Zijin Trust has established 60 charity trusts with a total scale of over 61 million yuan, benefiting more than 13,000 individuals through 109 charity projects, demonstrating its pivotal role in local charity trust development [2] - The "Houde" series has raised nearly 14 million yuan over the past 14 years, assisting nearly 1,000 families with critically ill or disabled children [2] Group 3 - The "14th Five-Year Plan" emphasizes the promotion and regulation of public welfare and charity, providing a supportive policy environment for the development of charity trusts [3] - Zijin Trust is committed to conducting charity trusts in compliance with laws and regulations, offering new avenues for public participation in charitable activities [3] Group 4 - The 20th National Congress of the Communist Party of China highlighted the importance of strengthening basic public services to address urgent issues faced by the public, guiding trust companies to integrate their services into key areas of public welfare [4] - Trust companies are actively embedding trust services into family and employment security, utilizing specialized products to meet community needs [4] Group 5 - New financial models, such as inclusive finance, are emerging to address the financing challenges faced by small and micro businesses, with trust companies leveraging their resource allocation flexibility [5] - Trust companies are establishing special needs trusts to create long-term financial management and care systems for individuals with mental disabilities, ensuring their safety and well-being [5] - Zijin Trust emphasizes the unique advantages of trusts in asset independence and risk isolation, providing tailored services for vulnerable populations [5] Group 6 - The spirit of the 20th National Congress provides direction for "trust services for people's livelihoods," with Zijin Trust planning to launch more tailored trust services to support public welfare [6] - The company aims to enhance its support for industries related to public welfare, aligning its core business with community needs [6]

Core Viewpoint - The charity carnival "Little Hands Hold Big Hands, Fun Sports Together" held in Nanjing highlights the growing role of charitable trusts in supporting vulnerable groups, particularly children with serious illnesses and disabilities, through community engagement and financial contributions [1][2]. Group 1: Charity Event and Impact - The charity event organized by Zijin Trust featured a variety of activities, including a charity sale where items like sugar paintings, toys, and books were sold to raise funds for children in need [1]. - Zijin Trust announced a commitment of 1 million yuan to establish the "Houde No. 15" charity trust, with all proceeds from the event directed towards assisting families with seriously ill children and disabled children [1]. Group 2: Development of Charitable Trusts - As of December 2, 2025, Nanjing has registered 100 charitable trust projects with a total asset scale of 113 million yuan, showcasing the robust development of charitable trusts in the region [2]. - Zijin Trust has established 60 charitable trusts with a total scale of over 61 million yuan, benefiting more than 13,000 individuals through 109 charitable projects [2]. Group 3: Policy Support and Future Directions - The "14th Five-Year Plan" emphasizes the promotion and regulation of charitable activities, providing a legal framework for charitable trusts to operate and encouraging public participation in philanthropy [3]. - Trust companies are increasingly embedding their services into key areas of public welfare, such as family and employment security, through specialized products like insurance trusts and special needs trusts [4]. Group 4: Innovative Financial Solutions - Trust companies are addressing financing challenges faced by small businesses and individual entrepreneurs by offering flexible financial services that leverage the trust system's resource allocation capabilities [5]. - Special needs trusts are being established to create long-term financial management and care systems for individuals with mental disabilities, ensuring their safety and well-being [5][6]. Group 5: Commitment to Social Welfare - Zijin Trust aims to further develop tailored trust services that meet public welfare needs, aligning its core business with social security initiatives to enhance community support [6].

陈兵介绍了上海信托40余年来的发展情况和深耕慈善信托12年的历程。他指出，中山医院与上海信托虽 属不同行业，但在服务国家重大战略、服务人民美好生活方面，拥有共同的初心。他回顾了2019年以 来，与中山医院合作开展江西心血管医护人员来沪再培训项目、支持"重走院士路，善医乡村行"项目的 历史。他表示，慈善信托具有账户安全独立、权利义务清晰、信息公开透明、架构灵活多变等独特功能 优势，正日益成为中国特色公益慈善事业的重要组成部分。他展望了双方共同打造"医金融合"党建品 牌、强化"善医赋能"慈善信托协作、探索临床成果转化的合作前景，并预祝科普讲师训练营圆满举办。 李耘、陈兵代表双方党委签署党建共建协议书，相约以党建为引领、以慈善信托为纽带，充分发挥各自 专业特长和资源优势，推动党工团强化全面交流合作，共同推进联建共学、医护培训、各地义诊、健康 科普等党建及医疗公益活动落地，为助力健康中国建设、提升卫生健康公共服务水平汇聚资源、搭建平 台。 陈芸代表陈灏珠院士医学发展专项基金，授予上海信托医学科普项目捐赠鸣谢牌。 后续，上海信托将进一步践行"金融向善、信托为民"理念，不断拓宽信托应用的普惠性边界，在慈善信 托、养老信托 ...

"十五五"规划建议提出，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"。国家卫生健 康委数据显示，2035年我国60岁以上人口将突破4亿，占比超30%，养老问题正成为关乎国计民生的"时 代命题"。 从2023年中央金融工作会议将养老金融列为金融高质量发展"五篇大文章"之一，到2024年《关于金融支 持中国式养老事业服务银发经济高质量发展的指导意见》印发，国家对养老事业和养老金融的重视程度 空前。破解"中国式养老"这道难题，金融行业重任在肩，信托作为金融行业的组成部分，该如何做？ 从"老有所养"到"老有所享"的晚年品质保障 信托解决了张女士的顾虑，通过结构化定向分配，让财富跟着人生阶段走，也保障了自己和爱人的长远 生活质量。 "虽然初始规模为5040万元，但结合保单的分红收益，未来信托产生的现金流预计将达到1.1亿元，加上 张女士计划后续追加资产，这份保障的分量还会不断上升。"上述负责人介绍，张女士通过养老信托自 主设立条款，覆盖了居家养老的衣食住行基本需求、品质消费及机构养老费用。另外，专业机构规范化 管理，破解资金非本人直接掌控的不确定性，筑牢养老财务保障。 现在，我国中等收入群体越来越大，老年 ...

"十五五"规划建议提出，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"。国家卫 生健康委数据显示，2035年我国60岁以上人口将突破4亿，占比超30%，养老问题正成为关乎国计民生 的"时代命题"。 从2023年中央金融工作会议将养老金融列为金融高质量发展"五篇大文章"之一，到2024年《关于金 融支持中国式养老事业服务银发经济高质量发展的指导意见》印发，国家对养老事业和养老金融的重视 程度空前。破解"中国式养老"这道难题，金融行业重任在肩，信托作为金融行业的组成部分，该如何 做？ 从"老有所养"到"老有所享"的晚年品质保障 "把自己的养老安排妥帖，把财富的规矩立好，才是对全家最稳的保障。"张女士（化名）刚签署完 信托文件，语气里藏着卸下重担的从容。这份由她和先生同时作为委托人共同设立的家族信托，总规模 达5040万元，而这份信托的设立也为这个家庭筑起了一道跨越两代人的财富"安全网"。 张女士的考虑是许多高净值家庭的缩影。据提供信托服务的昆仑信托相关工作人员介绍，除了资产 隔离、财富传承等考虑外，张女士设立信托的目的也与养老有关。年过50的她经营着一家企业，事业蒸 蒸日上，却也被心事牵绊，如子女未来 ...

Group 1 - Shandong Guoxin was awarded "2025 Annual Excellent Social Responsibility Trust Company" for its contributions to serving the real economy and participating in social governance [2] - Over the past three years, Shandong Guoxin has invested more than 80 billion yuan into the real economy, effectively channeling financial resources into key areas of economic and social development [2] - The company has developed a "Trust+" service model to address funding management challenges in community governance, including property prepayment fund services [2] Group 2 - In the field of public welfare, Shandong Guoxin has integrated social responsibility into its transformation, exploring new paths of "Finance + Charity" and focusing on charitable trusts [3] - As of June 2025, the company has established 69 charitable trusts with a total delivery scale of nearly 190 million yuan, targeting key areas such as rural revitalization, education assistance, and medical relief [3] - Looking ahead, Shandong Guoxin aims to continue fulfilling its social responsibilities and contributing to the service of the real economy and the well-being of the people [3]

2025.11.24 本文字数：3224，阅读时长大约5分钟 作者 |第一财经 吴斯旻 即将进入耄耋之年，家住北京的李奶奶却没有办法独立考虑自己的养老问题。78岁的她长年独自照顾两 名心智障碍者——40岁的女儿和她年仅15岁的外孙女。随着自己的身体每况愈下，李奶奶开始考虑自己 的积蓄能否兼顾自身养老和儿孙监护。 李奶奶一家三口所面临的托付难题，也是大龄心智障碍家庭所面临的共同挑战。 在中国，心智障碍群体约有1200万~2000万人，其中孤独症谱系人群约为1400万人。目前，社会公共服 务和政府财政对于这类群体的支持往往聚焦于学龄前和义务教育阶段，当他们进入成年阶段而家长步入 老年期时，家庭照护则面临"支持断层"。 近年来，以特殊需要信托（下称"特需信托"）为代表的金融业务逐渐发展，成为解决大龄心智障碍群体 照护的创新工具。今年，在北京、上海等多地，不动产信托财产登记试点相继落地，意味着房产等非资 金资产可通过进入信托，成为心智障碍者未来托付的保障。 北京市晓更助残基金会近日发布的《心智障碍者家庭现状与未来托付需求调研》（下称"调研"）显示， 家长为心智障碍人士未来生活预算的费用平均为123万元，预计可维持平均 ...

Core Viewpoint - The article discusses the challenges faced by families with mentally disabled members in China, particularly regarding the establishment of special needs trusts as a financial tool for future care and support [4][5]. Group 1: Current Situation of Families with Mentally Disabled Members - There are approximately 12 to 20 million individuals with mental disabilities in China, with around 14 million diagnosed with autism spectrum disorders [4]. - Many families, like that of 78-year-old Li, struggle to balance their own aging and health issues while caring for mentally disabled children and grandchildren [3][4]. - The average budget for the future care of mentally disabled individuals is estimated at 1.23 million yuan, which is expected to last for about 15 years [4]. Group 2: Development of Special Needs Trusts - Special needs trusts have gained traction as a financial solution for families with mentally disabled members, with awareness reaching 61% among relevant families [4]. - In less than three years, 133 parents have established special needs trusts, indicating a growing interest in this financial tool [4]. - The introduction of real estate trust property registration in cities like Beijing and Shanghai marks a significant step in allowing non-cash assets to be included in trusts [4][15]. Group 3: Challenges in Establishing Special Needs Trusts - The supply side faces challenges such as low profitability for trust service providers and complex processes for asset registration and liquidation [5]. - On the demand side, families encounter difficulties in finding reliable guardians, high financial thresholds, and a lack of suitable service systems [5][12]. - Many families report that they cannot find suitable relatives to act as guardians, with 39% indicating a lack of trustworthy individuals to manage their child's care and finances [10]. Group 4: Financial Barriers and Recommendations - The starting capital for special needs trusts is often above 300,000 yuan, which is a barrier for many families, especially those with lower incomes [12]. - The average monthly expenditure for families with mentally disabled members is around 5,871 yuan, with 43% of that spent on the care of the disabled individual [12]. - Recommendations include considering non-cash assets like real estate for inclusion in special needs trusts to broaden access for families [14][15]. Group 5: Legal and Taxation Issues - The lack of standardized regulations for special needs trusts creates uncertainty for families regarding the management and protection of their assets [7][11]. - Tax burdens associated with transferring real estate into trusts can be prohibitively high, potentially discouraging families from utilizing this option [16]. - Suggestions have been made to exempt certain taxes on trust property transfers to make special needs trusts more accessible for families with significant real estate assets [16].