1. Family fund model: As there is no trust license, many commercial banks will adopt the "bank+trust" model in their management services in family fortune. First, it can better realize the risk isolation of family property. According to the Fund Law of 20 13 and the Notice of the General Office of the State Council on Issues Related to the Promulgation and Implementation of the Trust Law of People's Republic of China (PRC), although the contractual private equity fund is in the form of a fund in organization, it belongs to the trust nature in law, and the fund property can be separated from the fund investors and managers. Second, property inheritance can be achieved through flexible income distribution arrangements, but it lacks integrity and long-term nature. Third, the effect of maintaining and increasing value is basically the same as that of family trust, and the asset allocation restrictions are less than those of family trust.

2. Large policy model: Insurance has unique advantages in risk protection, asset management and cross-cycle financial arrangements, which just meets the all-round and multi-level needs of family wealth management. Family fortune inheritance through large life insurance policy mainly means that the insured can purchase large life insurance, specify the insurance beneficiary and the income ratio, and pass on the agreed property to the designated beneficiary when the policy expires. From the experience of developed countries such as Europe and America, life insurance is a good tool for family wealth inheritance. In recent years, domestic insurance institutions have also increasingly developed wealth management insurance products with high cash value to meet the wealth inheritance needs of the rich and high net worth people, including large life insurance or wealth management life insurance policies, such as whole life insurance, dividend insurance, universal insurance, investment-linked insurance, annuity insurance and other products.

Want to know more about family wealth management, you can consult Youmai, which was founded on 20 14. Youmai is a professional family asset management service organization, insisting on the buyer's position in China market. Its main shareholders are world-renowned asset management companies, investors and senior industry experts. The core team has been deeply involved in China's wealth market for many years, and is committed to providing services such as investment risk management, global asset allocation, personalized asset management solutions, family office creation and operation support.