Xu Xiaoai's eyes lit up: "Yes, Mr. Zhang, I think the family trust is a very good direction for transformation, and our company has not made any movement in this regard." ”

Daniel Zhang shook his head this time: "I can't say that, the wealth team Lu Liang has been doing it, but it hasn't been formed yet." ”

"The family trust can't be done by Lu Liang alone, he involves the optimal allocation of liabilities and assets, which must have capital assets and the whole process to provide customers with better products, which is also my thinking during this time."

"The direction of trust transformation is confusing, but family trust must be the direction of regulatory encouragement and support, so I want to build an innovative business department, which is dedicated to these unprofitable businesses, but it is the main business of the trust company in the future."

"Then don't you pay attention to your bonuses and salaries in the future? You have to know that the whole company does not mean that no one does not want to do innovative business, but it is indeed too fragrant, they have to support themselves first, and then have spare time to do these unprofitable businesses. So until now, no one wants to do such a stupid thing, are you really willing to pick this big beam? ”

Xu Xiaoai nodded: "This is the result of my discussion with our husband, he has also done some particularly unpromising things, but it was his persistence that made him succeed in the end, I think we also have to have a kind of persistence in doing things in the trust industry, although I used to be the same as other trust managers, I hope that the bonus can be high." But I'm more concerned about what the hell is my trust industry going to do, and can I live here longer? Can even our company go further? ”

Xu Xiaoai said exactly what Daniel Zhang has been struggling with, and he also hopes that the company can slowly move forward and develop according to the origin of the trust, but most people are blinded by the short-term interests in front of them, and things that do not produce benefits for a long time, no matter how they wave the baton, they can't command.

And he really needs someone like Xu Xiaoai now, regardless of personal gains and losses, to fight a way out for the long-term development of the company.

"I want to think about this idea of yours again, you have to balance it with the current situation of the company as a whole, Xiao Ai, you can think so much for the company, and it also proves that you really regard the company as your home, and we welcome employees like you the most."

Xu Xiaoai came out of Daniel Zhang's office with a relaxed look, which is why she has been thinking about her development prospects in the company.

Doing operations is not her ultimate goal, although she also did a good job in operation, and straightened out the business, but in fact, as long as there is key system support, most of the operations can be automated, as long as there is a person who can cope with external supervision and coordinate the needs of all aspects of the company, it is enough, the following employees are very powerful, as long as they perform their duties, operations are a very solid core competitiveness.

She returned to the office and looked at a room full of people, everyone was busy doing what they had to do, methodical, and step-by-step, while Lu Shanshan was busy and managed the asset securitization business very smoothly, both internally and externally.

As for Ding Liang, his specialty is the same as himself, the two of them are the best partners, with a baton in their hands, and Ding Liang rushed forward with her baton, and the matter was already half done.

Xu Xiaoai was still waiting for Daniel Zhang's reply, and within a few days, Lu Liang rushed into his office.

"Xiao Ai, I said are you stupid? You said that your operation is doing well, and all aspects of work have finally been straightened out, can't you be a good wife and mother steadily? You have to go to the front line to rush, you must know that the family trust is a hot potato, I can't throw it out in my hands, do you still want to take it over? ”

Xu Xiaoai said strangely: "Why are family trusts a hot potato, you see that other companies are developing in this direction, which is also a direction pointed out by the supervision to trust companies." ”

"Then you think too well, we really know in the process of contact with customers that this is a big hole, not done well, but we have to put ourselves in."...

Xu Xiaoai was a little puzzled: "Why do you say that?" So why can other companies do family trusts well? ”

Lu Liang had an expression of hatred that iron could not become steel, he.

knocked his leg on Xu Xiaoai's desk: "You don't know this, in fact, the family trust is a full-committee business in disguise, and now the customer is willing to do your family trust, that is, he wants to preserve and increase the value of wealth, which is completely different from foreign family trusts, in addition to the purpose of buying products, he will not have a second purpose." ”

Xu Xiaoai vetoed: "This is impossible, I think the domestic family trust market is very large, and there are many kinds of needs, if you make it just for the purpose of selling products, it is too narrow, no wonder people are not willing to find our company but want to find a bank." ”

Lu Liang grabbed a handful of his hair: "Why don't you listen to what I said?" I told you it wasn't that simple. Why do you say that he wants to put the money with you and let you help him allocate it, and how much income can you promise to give him every year? How strong is your own asset allocation ability, and in addition to helping him buy trust products, can you also help him buy insurance, buy stocks, and buy other things? With our company's current management capabilities, it would be good to be able to buy assets for him. ”

Only then did Xu Xiaoai understand what Lu Liang meant: "There are many people who are willing to do family trusts, and there are also a lot of funds, but we can't help him really do a good job in the management of family trusts." ”

"That's right, that's what it means, some of the products we have now are the company's existing offerings, and even if he wants to subscribe to other companies' products, our company doesn't agree, let alone help him match other fields that we are not familiar with at all."

Xu Xiaoai finally understood: "What do other companies do?" How do banks do it? ”

Lu Liang waved his big hand: "You can go to investigate, they have more methods than us, do you think we haven't done it all along?" It's been exploring, it's a big hole, if you jump in then you won't be able to climb out, it's different from your current operation and your previous business, you're going to find funding. Do you actually want to change careers and make money? ”

Xu Xiaoai really didn't mean that: "I can't do wealth, I can't accumulate so many customers, or you are amazing, I don't want to grab this job with you, I just want to establish a family trust as a product." ”

"So you're thinking too simply, you go research first, and if you think it's feasible, then take this trip to the troubled waters, but as someone I once had a crush on you, I give you advice, if you can, don't touch it. The current operation is not doing very well. ”

Before the thing was done, Xu Xiaoai was poured a basin of cold water, and she glared at Lu Liang: "What I hope is that you and I will find a way together, instead of pulling my hind legs." ”

Lu Liang sighed helplessly: "Xiao Ai, you really don't have any pressure to support your family, your family Dean Chu spoils you too much, so that you don't have to make milk powder money, you can do whatever you want, I'm really envious~"

"Yo, Lu Dashao has also started to talk about toothache, you don't have any pressure to support your family now, right, unless you have a situation now?" Xu Xiaoai quipped.

Lu Liang's face turned a little red rarely: "Recently, I was a girl, and she looks pretty good, but her family requirements are a bit high, so there is a lot of pressure to make money." ”

Xu Xiaoai teased: "It looks good, but what can enter your eyes is not ordinary." _o_m ”

"You are boasting about yourself, I thought I was sad for a few days when you got married, if it wasn't for Dean Chu to lower his posture later, I wouldn't be able to accept him."

Xu Xiaoai remembered what happened before her and Chu Yu, and let out a smile from the bottom of her heart, who would have thought that she would really be able to find her lover from this agreement marriage.

Lu Liang knocked on her desk: "Okay, I don't feel happy when I see you smiling, I've already told you through this matter, you think about it yourself, even if you don't support your family, don't lose your stable position, the current trust industry is in a hurry, you move a nest, but there are many people at the front desk who want to come in." ”

Although Lu Liang said it very casually, Xu Xiaoai knew that Lu Liang was completely kind, and she had long expected that this matter would not be easy to do, but she didn't expect Lu Liang's reaction to be so big.

Xu Xiaoai has been studying family trusts during this time, and she has found many public cases of domestic family trusts, as well as cases with mature experience abroad.

In foreign countries, family trusts have become a very common choice, and the most important thing is legal tax avoidance.

Purpose, in western developed countries, the inheritance of inheritance usually needs to pay a high amount of inheritance tax, while trust property and personal property have the characteristics of property separation in law, and the trust property after the death of the settlor is not his personal property and does not belong to the category of heredity, so it is not used as the basis for calculating inheritance tax.

At present, there is no inheritance tax in China, but the property firewall that can be formed between trust property and personal property can not be obtained by creditors or spouses through legal judgments or any other means in the event of any property dispute or divorce, which fundamentally guarantees that family property is not lost.

This is only the first point that Xu Xiaoai understands, and she feels that there are still many other feasible directions, such as the control of the family business, etc., which is also one of the important advantages.

The more she researches, the more promising she feels, the imagination space is very huge, the trust can not only provide a legal isolation, but also a high degree of customization, according to the settlor's wishes to reasonably distribute assets, equity, insurance and charity are all promising directions.

The most important thing is that Xu Xiaoai calculated an account, this kind of business is different from asset securitization business and service trust, this kind of business fee space is also similar to business space, and management fees can be charged according to the number of years, and the rate charged is similar to that of actively managed trusts, and it can be higher. Error-free updates @

It is no wonder that many trust companies have transferred their product lines to family trusts, and some companies have proposed a plus version of wealth management, starting from the needs of customers, establishing different account systems and providing various customized services for different customers.