摘要
随着我国经济的快速发展,以家族为单位的财富单元也快速增大,由此带来了家族财富的增值经营与财产移交问题。传统的财富管理模式比如理财产品、存款无法实现财产的持续经营和顺利传承。国外通行的做法通过较为完善的家族信托体系来有效实施家族财富管理,但中国的家族信托刚刚起步,一方面国内对家族信托的需求旺盛,另一方面家族信托面临着制度、监管、信息化建设等方面的问题。
With the rapid development of China＇s economy,the wealth unit with family as its basic unit also increases rapidly. However,it brings problems such as value- added management of family wealth and property transfer,the traditional wealth management mode such as financial products,deposit can not achieve the property＇s continuous operation and smooth transmission. The common practice in foreign is to implement family wealth management effectively through comparatively perfect trust system,but China has just started family trust,on the one hand,there are strong domestic demands for family trust; on the other hand,family trust are facing problems of institution,regulatory,informatization construction,etc. In view of the emerging problems,combined with China＇s actual situations,from the macro,meso and micro perspective,this paper proposes practical solutions to build a new Chinese- style family trust mode.
出处
《金融教育研究》
2015年第6期41-46,共6页
Research of Finance and Education
关键词
财富管理
家族信托
模式创新
wealth management
family trust
model innovation
