Core Viewpoint - The high-net-worth individuals are increasingly seeking specialized and customized charitable services from financial institutions, prompting a systematic upgrade in charity financial services by institutions like Bank of Communications [1] Group 1: Charity Financial Service Development - On November 28, Bank of Communications launched the "Rui Shan" charity financial service plan, optimizing charity services across five dimensions: model, scenario, experience, channel, and ecosystem [1] - The plan includes three main service categories: public charity trusts, asset service trusts, and asset management products, covering six public welfare areas such as rural revitalization and medical assistance [1] - Since establishing its first charity trust in 2019, the bank has set up over 60 charity trusts, attracting nearly 4,000 clients and accumulating donations of approximately 26 million yuan [1] Group 2: Client and Channel Demand Changes - Client demand has evolved from "single donation" to a comprehensive "wealth + charity" approach, with a focus on family legacy and active participation in charity projects [3] - There is a shift in channel demand from "single product" to "ecological service," requiring banks to integrate various resources to provide customized, one-stop services [3] Group 3: Role of Banks in Charity Trust Development - Banks play a multifaceted role in charity trusts, acting as secure custodians of trust assets, financial and investment advisors, important fundraising channels, and resource integrators [4] - The bank's professional fund management and risk control capabilities ensure the safety and compliance of charitable funds [4] Group 4: Challenges in Charity Trust Operations - Current challenges include difficulties in pooling diverse assets, improving fund usage efficiency and transparency, and enhancing public awareness and participation in charity [5] - Non-cash assets face obstacles due to incomplete registration systems and unclear tax policies, limiting the diversity of asset sources [5] Group 5: Innovations to Address Challenges - The bank is innovating its products and service models, such as establishing a Donor-Advised Fund (DAF) charity trust to lower donation thresholds and encourage family participation [6] - New product designs, like combining asset management trusts with charity trusts, aim to balance asset appreciation with charitable goals [6]

Group 1 - The core viewpoint of the news is that Bank of Communications has launched the "Rui Shan" charitable financial service plan to meet the growing demand for "wealth for good" among customers, focusing on various dimensions such as model, scenario, experience, channel, and ecosystem [2] - The "Rui Shan" plan includes three main categories of services: public welfare charitable trusts, asset service trusts, and asset management products, totaling nine service models that cover six public welfare directions including rural revitalization, assistance for the disabled, elderly care, education funding, medical aid, and nature conservation [2] - The bank plans to launch a charitable section in its mobile banking app, creating a one-stop platform for information display, project donations, and progress tracking, aiming to expand the "finance + public welfare" cooperation ecosystem [2] Group 2 - Since establishing its first charitable trust in 2019, the bank has set up over 60 charitable trusts, gathering nearly 4,000 caring customers and donating approximately 26 million yuan, with significant growth in charitable trusts since 2025 [2] - The bank has donated a total of 250 million yuan in targeted assistance programs in regions such as Gansu, Shanxi, and Sichuan, and has collaborated with organizations like the China Disabled Persons' Federation to support disabled youth education, contributing 120 million yuan [3] - The bank aims to further expand its charitable service ecosystem and explore new paths for promoting "finance + charity" on a larger and more professional scale, contributing to the concept of common prosperity [3]