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兴业银行发布中国财富传承市场发展报告

2017-07-10 16:54:22   新华网

家族信托试水持续升温

信托由于其独特的法律地位和多元功能,是财富传承的主要工具之一,在海外成熟市场已经历了长足的发展和成熟的应用。其中“家族信托”是一种信托机构受个人或家族的委托,代为管理、处置家庭财产的财产管理方式,能够较好地实现高净值人群的财富规划及传承目标。在中国,首支家族信托于2012年落地,近年来获得了快速发展,并已形成信托公司、商业银行私人银行、第三方财富管理公司、律所、税务所等各类机构交织的跨界竞合格局。

据兴业银行私人银行部总经理薛瑞锋介绍,该行于2015年正式推出“家族信托”,致力于撬动银行内外部专业资源,向广大具有财富传承需求的私人银行客户提供综合服务,截至目前已经突破百单,总规模近20亿元,成为国内家族信托市场的重要参与者。

兴业银行家族信托存量业务数据显示,中国大陆家族信托市场初步发展呈现四大特点,即以企业主和女性客户为主要客群、以资金类信托为主要种类、以风险隔离和个性化传承为主要目的、以小规模境内信托为主要试水工具。高净值人士正在逐步认可家族信托的多元功能和财富传承理念。

报告指出,在时代机遇、客户需求以及从业机构的推动下,中国的家族信托发展前景广阔,但发展初期,在信托财产登记制度、配套法律制度等方面还有待完善,因此高净值人士需要未雨绸缪,积极了解并尽早筹划家族信托相关安排,并依赖专业机构及其提出的专业意见,更好地应对家族财富传承过程中面临的不确定性问题。

主动作为迎接竞争蓝海

尽管中国财富传承市场正在不断升温,但与海外成熟市场相比,不论是在工具应用的丰富性方面,还是服务种类的广度和深度方面仍有较大差距。

报告指出,目前国内主要参与机构仍处于跑马圈地、培育市场、打造品牌的阶段,未来要从服务能力、队伍培养、盈利模式等方面推进“展业模式”升级:一是从产品销售导向转向提供综合定制化服务,即打破卖方思维,突破产品导向等体制机制的制约,完善跨部门跨机构的协同服务机制,不断锻造综合服务能力,打造全能服务提供商。二是加强多元专业人才体系建设,特别是在法律、税务、投资等三大核心领域培养和提升内部从业人员的专业能力,打造多元、强大、专业的人才队伍。三是从资管盈利模式转向综合盈利模式,积极探索更加契合客户需求的盈利和分润模式。

报告认为,财富传承在中国是一个挑战与机遇并存的市场,相关从业机构必须根据自身资源禀赋明确自己的发展定位,并从客户特色的需求与痛点出发,匹配专业的服务团队和综合的解决方案,方能抓住先发优势,在未来竞争中占据领先地位。(兴宣)

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