民间财富传承的制度变迁:从继承到寿险和信托

Institutional Change of Folk Wealth Inheritance:From Inheritance to Life Insurance and Trust

在经济社会不断跃进的时代背景下,民间财富传承的制度变迁经历了从继承到寿险再到信托的过程。继承制度表现了民间财富传承的原始愿望,遗赠扶养协议制度则是中华民族智慧的结晶。寿险、信托两种新型财富传承工具的出现,实质上是社会分工的精细化体现。而保险机构和信托机构作为第三方得以"染指"被继承人的遗产,又是对传统中国文化中"财不外露"思想的突破和革新。民众的财富不断累积,财富的种类更是随着技术的突飞猛进轻而易举地便能拥有崭新的面貌。民间财富传承是一个复杂宏大又跟每一个人息息相关的议题,需要我们用发展的眼光去对待,财富传承的体系化规范也应当尽快建立并完善。

Under the ever-growing economy and social development,the institutional change of folk wealth inheritance has experienced a process from inheritance to life insurance and then to trust.The inheritance system shows the original wish of folk wealth inheritance,while the legacy support agreement system is the fruit of the Chinese people’s intelligence.The emergence of two new wealth inheritance tools,life insurance and trust,is essentially the refinement of social division of labor.As a third party,insurance institutions and trust institutions can"touch"the decedent’s heritage,which is a breakthrough and innovation of the traditional Chinese culture"no financial exposure".People’s wealth is constantly accumulating,and with the rapid development of technology,it is easy to have a new form.The inheritance of folk wealth as a complex and grand issue closely relates to everyone.We need to treat it from the progress perspective,and the systematic norms of wealth inheritance should be established and improved as soon as possible.