如何选择合适的受托人
2023-01-13 Professional Article
2023-01-13 Professional Article

一.  信托和受托人的概念

在英国普通法对信托概念的描述下,信托是指一方(委托人)与另一方(受托人)签订协议(信托契约),根据协议,委托人将资产的法定所有权转移给受托人,受托人为第三方(受益人)的利益以信托形式持有这笔资产,受托人将参考委托人的意愿,根据受益人的利益对信托内的资产进行管理和分配。


受托人是信托架构中的重要主体之一,是为第三方的利益持有和管理财产的自然人或商业实体,肩负着信托财产的托管责任,需要从受益人的利益出发,依照信托契约和相关法律规定等承担受托人的义务,以及妥善管理信托财产。


受托人的责任包括但不限于确保信托资产安全,参考委托人的意愿管理、投资和分配信托资产,以及根据需要及时向有关的监管机构提交和信托相关的信息。


二.  受托人的类型有哪些

对于境外信托而言,有资格担任受托人主体的通常可以是持有信托牌照的境外信托公司、自然人或者是委托人自己设立的私人信托公司(PTC)。但基于受托人管理信托架构所需要的专业性、稳定性及可持续性等因素的考量,实践中通常建议选择持有信托牌照的信托公司作为受托人。主流的信托公司分成银行系信托公司和独立信托公司两类。

 

1. 独立信托公司

独立信托公司具备丰富的信托业务经验及较强的独立性、专业性和持续性,信托下可持有的资产种类及可设立的信托类型较为多样化。


2. 银行系信托公司

许多大型传统金融机构如私人银行会提供受托人服务,服务其私人银行客户。银行系信托大多作为私人银行一部分,重视客户在其私人银行账户的投资,会更加倾向持有自家账户,信托下可持有的资产种类较为单一。


三.  如何选择信托公司

搭建信托是高净值人士实现财富管理和传承的重要路径,全流程涉及到很多环节,包括银行开户、信托架构搭建、公司秘书服务等,是一个系统性的工作。目前市面上的独立信托公司和银行系信托公司数量较多,公司实力、服务质量参差不齐,因此委托人应根据自身需求,慎重选择适合自己的受托人。在筛选合适的受托人时,需要考虑以下因素:

 

1. 公司背景

   ●   受托人及其母公司(如有)的运营是否稳健,是否具备一定的营收规模及稳定的股权结构

   ●   受托人是否持有当地监管机构发出的受托人牌照


2. 团队能力

   ●   团队成员是否资深专业,具有丰富的业务经验

   ●   团队管理是否稳定,人员是否充足

   ●   团队成员是否具备多语言能力与客户进行顺畅的沟通


3. 服务效率

   ●   受托人团队是否能不受时差限制,及时响应各个地区的客户需求

   ●   是否提供便利高效的信托一站式服务方案,配套服务是否完善


4. 灵活程度

   ●   受托人是否对可接受的资产种类具备较高的开放性


5. 服务收费

   ●   信托服务收费及其他相关收费项目是否合理

   ●   付费流程是否便利高效


四.  关于富途信托

富途信托及其新加坡公司分别持有香港和新加坡信托业务牌照,团队成员汇集了来自银行信托、跨国信托服务提供商和家族办公室的优秀专家,具备丰富的家族信托和家族办公室服务经验。作为香港和新加坡家族信托和家办服务的专业服务商,富途信托与专业律师、税务顾问等合作伙伴合作,在全面了解客户需求的基础上,协助客户进行信托和家办架构的搭建、提供公司秘书服务等,同时还可以结合富途集团在投资交易平台、财富规划和管理等方面的优势,为客户家族提供整体全面的方案,致力于成为客户信赖的沟通窗口,节省客户沟通成本,高效地满足客户及家族的需求。
 

截至目前,富途信托已处理超过200个企业和个人客户的信托咨询和落地服务,高效响应,备受各行各业的企业和高净值人士认可。

 


 

持牌信息:

富途信托有限公司和Futu Trustee (Singapore) Pte. Ltd.由富途控股有限公司(NASDAQ: FUTU)全资控股。
 
富途信托有限公司是一家根据香港《反洗钱及反恐融资条例》(第615章)注册的持牌信托或公司服务供货商(牌照号码:TC006475),以及根据香港《受托人条例》(第29章)注册的信托公司。
 
Futu Trustee (Singapore) Pte. Ltd.是一家根据新加坡法规《信托公司法》 (Trust Companies Act) 持牌的公司,已获得新加坡金融管理局发出的信托牌照(牌照号码:TC000074)。


采访专家介绍

黄梓东 Don  
富途信托 信托服务副总裁

香港理工大学和香港岭南大学国际商业学士以及国际金融与银行硕士学位。拥有近6年金融产品/服务销售及基金运营经验。加入富途信托前,曾在多家金融机构里从事零售银行日常运营,产品销售及在券商机构股票部负责协调前线销售的客户关系管理事宜,亦曾在基金行政管理公司里负责客户关系工作,覆盖的客户市场包括大中华区和东南亚市场。

The information of this article is for reference only and is not intended to provide any legal, tax or other advice, nor should it be considered for such purposes. Clients are recommended to seek professional advice. The content of this article is based on reliable sources at the time of making it and it is subject to revision by our company without notice.
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The licensing information in relation to companies within Futu Group is as follows:

Futu Securities International (Hong Kong) Limited

Holder of 20 licenses and participantship in providing clients with reliable securities trading services.

In Hong Kong, China: Futu HK is a licensed corporation regulated by the Securities and Futures Commission of Hong Kong (CE No. AZT137) and has obtained Type 1 Licence for Dealing in Securities, Type 2 Licence for Dealing in Futures Contracts, Type 3 Licence for Leveraged Foreign Exchange Trading, Type 4 Licence for Advising on Securities, Type 5 Licence for Advising on Futures Contracts, and Type 9 Licence for Asset Management.Futu HK is registered as MPF Intermediary, SEHK Participant, HKSCC Direct Clearing Participant, SEHK China Connect Exchange Participant, HKSCC China Connect Clearing Participant, SEHK Options Trading Exchange Participant, SEOCH Direct Clearing Participant, HKFE Futures Commission Merchant, and HKCC Clearing Participant.

In Europe: Futu HK is a member of London Stock Exchange and Turquoise.

In Singapore: Futu HK is a trading member of Singapore Exchange Securities Trading Limited and Singapore Exchange Derivatives Trading Limited.

Futu Trustee Limited

Holder of Trust or Company Service Provider Licence (Licence No. TC006475).

Futu Lending Limited

Holder of Money Lenders Licence (Licence No. 2034/2021).

Moomoo Financial Inc.

A broker-dealer registered with the U.S. Securities and Exchange Commission (SEC) (CRD: 283078/SEC: 8-69739), and a member in good standing of Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC).

Futu Clearing Inc.

A broker-dealer registered with the U.S. Securities and Exchange Commission (SEC) (CRD: 298769/SEC: 8-70215), a member in good standing of Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC), as well as a member of Depository Trust Company (DTC), a member of National Securities Clearing Corporation (NSCC) and the Options Clearing Corporation (OCC).

Futu Wealth Advisors Inc.

An investment advisor registered with and regulated by the U.S. Securities and Exchange Commission (SEC) (CRD: 310790/SEC: 801-119635).

Futu Futures Inc.

A licensed entity registered with the National Futures Association (NFA) (NFA ID: 0523957) and regulated by the National Futures Association (NFA) and the Commodity Futures Trading Commission (CFTC).

Moomoo Financial Singapore Pte. Ltd.

Registered with the Monetary Authority of Singapore (MAS), Futu SG is a Capital Markets Services Licence (Licence No. CMS101000) holder with the Exempt Financial Adviser Status. Futu SG has also received all SGX's memberships. Futu SG has been admitted as Clearing Member of The Central Depository (Pte) Ltd (CDP) , Trading Member of Singapore Exchange Securities Trading Limited (“SGX-ST”), Trading and Clearing Member of Singapore Exchange Derivatives Trading Limited (“SGX-DT”), and Depository Agent of CDP.

Futu Trustee (Singapore) Pte. Ltd.

A Singapore trust company licensed by the Monetary Authority of Singapore to carry on trust business and services (Licence Number: No.TC000074).

Futu Securities (Australia) Ltd

A securities dealer registered with and regulated the Australian Securities and Investments Commission (ASIC). Futu AU holds the Australian Financial Services Licence (Licence No. 224663).

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