人口老龄化背景下民事信托制度的完善——与意定监护制度相结合的探讨

The Improvement of Civil Trust System under the Background of Population Aging——A Discussion on the Combination with the System of Voluntary Guardianship

迅速迈入人口老龄社会的现状使得现行的养老体系难以满足老年人财产管理需求。意定监护与民事信托的结合是老人人身和财产管理的重要选择模式。应当借鉴域外法意定财产监护、生前信托、特殊需要信托实践经验,完善信托财产登记制度和课税制度,解决受托人资质准入及其职责终止后相关问题,确定民事信托监察机制和风险防范机制,推进民事信托与意定监护相结合,设立强制信托制度。

The current situation of rapidly entering the population aging society makes the current pension system unable to meet the needs of the elderly property management.The combination of voluntary guardianship and civil trust is an important choice for the personal and property management of the elderly.We should learn from the practical experience of foreign law of voluntary property guardianship,living trust and special needs trust,improve the trust property registration system and taxation systems,solve the problems related to the qualification access of trustees and the termination of their duties,determine the civil trust supervision mechanism and risk prevention mechanism,promote the combination of civil trust and voluntary guardianship,and establish a compulsory trust system.