保险金+信托：家庭财富传承新组合
<section class="_editor"><section style="margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;text-align: center;"><section style="display: inline-block;vertical-align: middle;box-sizing: border-box;"><section style="border-radius: 5px;display: inline-block;vertical-align: bottom;border-color: #31bf58;border-style: dashed;border-width: 1px;color: #31bf58;font-size: 15px;box-sizing: border-box;padding:0px 5px;"><p style="margin: 2px 5px;box-sizing: border-box;"><span style="font-size: 18px; color: #979897;"><strong style="box-sizing: border-box;">作者：凌云</strong></span></p></section></section></section></section><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed #31bf58; box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">近年来，家族信托受到了多方主体的关注，信托公司、商业银行、律师以及财富管理公司等机构都从不同行业、不同角度对此进行了实践探索。“保险金+信托”为模式的金融创新，将在未来财富传承领域迎来新的机遇。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed #31bf58; box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: #31bf58 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style="margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;text-align: center;"><section style="display: inline-block;vertical-align: middle;box-sizing: border-box;"><section style="border-radius: 5px;display: inline-block;vertical-align: bottom;border-color: #31bf58;border-style: dashed;border-width: 1px;color: #31bf58;font-size: 15px;box-sizing: border-box;padding:0px 5px;"><p style="margin: 2px 5px;box-sizing: border-box;"><span style="font-size: 18px; color: #979897;"><strong style="box-sizing: border-box;">“保险金+信托”：飞入寻常百姓家</strong></span></p></section></section></section></section><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">2019年7月，信美人寿相互保险社与中航信托共同签出首单保险金信托，为一名不幸遭遇家庭变故的8岁小女孩解决了成长中的资金需求。小美遭遇父母离异、母亲离世，其母亲的校友们发起了一场募捐，以帮助她今后的生活学习。不过，这笔善款如何能够真正且长期为其所用成为一道难题。信美相互与中航信托经多次沟通后，找到了保险金信托的方式。具体而言，这笔善款会先投保为信美相互的教育金保险，确保小美大学期间的教育金给付，并委托中航信托对保单进行长期管理，保证保单的独立性，在未来需要追加保费的情况下，追加保费可通过信托资产支付。在该业务操作过程中，由专业的律师团队负责免费为其撰写保险金信托合同，提供法律服务。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">2019年，中信信托推出了国内首个“家庭保单”保险金信托服务。“家庭保单”保险金信托服务打破了目前市场上“单一被保险人+单家保险公司+信托”的模式，可以为客户整体统筹名下的所有保险资产，使保险金信托在延续家族掌舵人意志、传承家族财富、凝聚家族精神方面发挥作用。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">“保险金+信托”与家族信托的相似之处在于：都是对投保人、被保险人或委托人身后财产的一种处分和安排。不同之处在于，家族信托的设立，需要委托人在订立合同之时就将信托财产转移给受托机构，此时信托财产是真实存在的，而保险金的赔付则是对一笔在合同订立之时并不存在的财产进行预先的安排，此时的信托财产更像是一种财产请求权。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">实践中，“保险金+信托”的一般操作模式为：以保险金给付为信托财产，由保险投保人和信托机构签订保险信托合同书，当被保险人身故发生理赔或满期保险金给付时，由保险公司将保险金交付受托人(即信托机构)，由受托人依信托合同的约定管理、运用，并按信托合同约定方式，将信托财产分配给受益人，并于信托终止或到期时，交付剩余资产给信托受益人。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">通过此种模式，吸收了保险和信托的各自优势，实质上降低了信托门槛，使得普通民众通过保险金信托享受财富传承及分配作用成为可能。同时，投保人、被保险人不必预先向信托机构转移自身财产，又可获得充分的保险保障。此外，因受益人无法直接取得保险金，需由信托机构根据实际情况支付，避免了受益人为了高额保险金铤而走险，减少了道德风险。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">家族信托：信托公司、商业银行、保险公司各显神通</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">根据《信托法》规定，信托是指委托人基于对受托人的信任，将其财产权委托给受托人，由受托人按委托人的意愿以自己的名义，为受益人的利益或者特定目的，进行管理或者处分的行为。作为一种古老的社会财富管理形态，信托在当今社会的金融体系中仍旧发挥着重要作用。作为一种有效的财富传承工具，家族信托的设立必须明确三点，一是明确信托意图;二是明确受益人;第三是明确信托资产。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">作为金融行业的“百货公司”，信托公司有较高的投资门槛，它以营业和收取报酬为目的，以受托人身份承诺信托和处理信托事务，从事经营行为。家族信托作为其事务性信托的典型代表，属于其本源业务的重要构成。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">商业银行由于其网点的资源优势和天然的强信用地位，有能力利用自身优势，通过延伸高端的私人银行业务服务链条，与信托公司、保险机构开展合作，将家族信托视为一种中间业务，提供咨询类增值服务。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">根据《保险法》规定，被保险人或者投保人可以变更受益人并书面通知保险人。利用受益人变更规定，目前市场上一些保险公司通过“保险金+信托”的设计，利用《保险法》关于变更受益人的规定，投保人(即信托委托人)可以将受益人变更为信托公司。一旦保险金进入家族信托，即可按照信托合同约定进行管理、分配。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style="margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;text-align: center;"><section style="display: inline-block;vertical-align: middle;box-sizing: border-box;"><section style="border-radius: 5px;display: inline-block;vertical-align: bottom;border-color: #31bf58;border-style: dashed;border-width: 1px;color: #31bf58;font-size: 15px;box-sizing: border-box;padding:0px 5px;"><p style="margin: 2px 5px;box-sizing: border-box;"><span style="font-size: 18px; color: #979897;"><strong style="box-sizing: border-box;">监管视角：探索多元与专业驱动</strong></span></p></section></section></section></section><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">2014年4月初，原中国银监会《中国银监会办公厅关于信托公司风险监管的指导意见》中，明确提出“探索家族财富管理，为客户量身定制资产管理方案”。2018年，银保监会成立后，被称为史上最严的《关于规范金融机构资产管理业务的指导意见》(即“资管新规”)正式出台。2018年8月，银保监会信托监督管理部发布《关于加强规范资产管理业务过渡期内信托监管工作的通知》，明确提出支持合法合规、投资实体经济事务管理类信托，要求按照“实质重于形式”的原则，加强信托业务及创新产品监管，明确公益信托、家族信托不适用资管新规，鼓励信托公司回归“受人之托，忠人之事”的本源性业务，大力发展家族信托。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">在现行的监管视野下，资金信托仍旧是信托监管核心，因资管新规强化了打破刚性兑付要求，可以预见，未来金融机构在传统资管领域的竞争将逐步降温，针对高净值人士的家族信托类产品，则具有潜力成为新的细分赛道。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style="margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;text-align: center;"><section style="display: inline-block;vertical-align: middle;box-sizing: border-box;"><section style="border-radius: 5px;display: inline-block;vertical-align: bottom;border-color: #31bf58;border-style: dashed;border-width: 1px;color: #31bf58;font-size: 15px;box-sizing: border-box;padding:0px 5px;"><p style="margin: 2px 5px;box-sizing: border-box;"><span style="font-size: 18px; color: #979897;"><strong style="box-sizing: border-box;">启示：挑战与机遇并存的“保险金+信托”</strong></span></p></section></section></section></section><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">“保险金+信托”实践中也受到质疑。一是信托公司作为受益人是否有法律依据。保险法中关于“受益人”的表述，虽然没有将机构明确排除在外，但实务中，各保险公司理解的受益人一般是投保人“近亲属”，且与投保人、被保险人存在一定的利害关系，信托公司作为受益人需要合同的特别约定。二是在“保险金+信托”的模式下，保险合同与信托合同前后衔接，如果前端保险合同的履行出现了问题(比如如实告知、明确说明等义务未履行)，势必会影响后端信托合同的效力。但根据信托法规定，信托财产具有独立性，如果保单出现投保人退保、保险人拒赔、保单现金价值被法院执行、受益人中途被变更等诸多情形时，信托合同也会成为镜花水月，无法履行。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">与传统保险合同及信托合同的权利义务相对确定性不同，“保险金+信托”是对不确定财产在不确定未来情态下的一种想象性分配。涉及到投保人、被保险人、受益人、信托公司、保险公司等多方主体，各方利益的综合平衡较难。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">在肯定“保险金+信托”的金融创新价值之余，建议从三方面加以改进：一是探索开发满足普通大众需求的“保险金+信托”产品，使得家族信托的落地更便捷，践行普惠金融理念。二是强化与信托公司的合作机制，在理赔流程、业务系统对接方面更高效。三是对从事“保险金+信托”新领域保险产品的人员开展婚姻家事知识培训，形成行业自身的人才储备，在未来竞争中获得更大的主动权。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style:="margin:0px 10px;"><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><p style="line-height: 2em;"><span style="font-size: 14px; color: #979897;">在不违背法律原则，不损坏社会公共利益的前提下，“保险金+信托”的理想愿景，应该是既尊重投保人、被保险人财富分配传承意愿，又避免陷入传统信托“死人之手”的刻板状态，达到个体利益、家庭利益和社会利益的平衡。</span></p><section style="text-align: right; margin-right: 0%; margin-bottom: 10px; margin-left: 0%;transform: translate3d(-16px, 0px, 0px);-webkit-transform: translate3d(-16px, 0px, 0px);-moz-transform: translate3d(-16px, 0px, 0px);-ms-transform: translate3d(-16px, 0px, 0px);-o-transform: translate3d(-16px, 0px, 0px);"><section style="display: inline-block; vertical-align: middle; width: 75%;" data-width="75%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="border-top: 1px dashed rgb(49, 191, 88); box-sizing: border-box;"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 25%; border-width: 0px; box-shadow: rgb(49, 191, 88) 0px 0px 0px; box-sizing: border-box;" data-width="25%"><section style="margin-top: 10px; margin-bottom: 10px;"><section style="width: 100%; height: 5px; background-color: #31bf58;" data-width="100%"></section></section></section><section style="display: inline-block; vertical-align: middle; width: 0%;" data-width="0%"><section style="margin-top: 0.5em; margin-bottom: 0.5em;"><section style="background-color: #31bf58; height: 1px;"></section></section></section></section></section></section><p><br></p><section class="_editor"><section style="margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;text-align: center;"><section style="display: inline-block;vertical-align: middle;box-sizing: border-box;"><section style="border-radius: 5px;display: inline-block;vertical-align: bottom;border-color: #31bf58;border-style: dashed;border-width: 1px;color: #31bf58;font-size: 15px;box-sizing: border-box;padding:0px 5px;"><p style="margin: 2px 5px;box-sizing: border-box;"><span style="font-size: 18px; color: #979897;"><strong style="box-sizing: border-box;">来源《中国银行保险报》</strong></span></p></section></section></section></section>
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