海外家族信託真是「保險箱」？看看這些富翁就知道了

原文轉載 – 作者：中國職業經理人雜誌 陳武亮 2019/07/22 (原文連結)

2018年年底，僅融創孫宏斌、龍湖吳亞軍、達利許世輝、周黑鴨唐建芳就向海外家族信託投出了橄欖枝，4人將價值約1166億元的企業股份交了出去，其慷慨闊綽令人咋舌。

從「狡兔三窟」的傳統心理來說，將財富放在海外，也多了一層安全保障，然而海外（離岸）家族信託並不是萬能保險箱，更不是避稅、逃稅的白手套。海外家族信託真有這麼神奇嗎？

普加喬夫虛假信託案是近年來國際上影響力較大且十分典型的案件，其判決解決更有助於規範家族信託的設立及運作，具有深遠的啟示意義。

普加喬夫的「算計」

2017年10月11日，俄羅斯銀行大亨謝爾蓋·普加喬夫栽了。當天，英格蘭和威爾斯高等法院裁定，普加喬夫的5個紐西蘭資產保護信託「無效」，債權人可以向信託資產提出索賠。

普加喬夫曾是俄羅斯頂級富豪，克里姆林宮的「大管家」，巔峰期其個人資產達150億美元。

2008年，普加喬夫創立的私有銀行Mezhprom受金融危機所累，2010年破產，國際知名清算組織DIA擔任破產清算人。隨後Mezhprom銀行和DIA，以債權人的身份向普加喬夫提出索賠，並向英格蘭和威爾斯高等法院提出凍結其全球財產。凍結財富過程中，普加喬夫在紐西蘭設立的5個家族信託也隨之露出水面。

為轉移財產，2011年至2013年，Mezhprom銀行清算期間，普加喬夫設立了這5個全權家族信託，信託資產約9500萬美金。在設立信託時，普加喬夫將自己設立為信託的第一保護人，根據約定，保護人有權決定信託資金收益和本金的分配，決定信託資金的投資、自由增刪受益人、變更信託契約、給予或撤銷契約文件賦予的受託人的權利等；有權任命新的受託人、增加新的受託人、以及受託人應就信託資產的具體投資上應獲得保護人之提前書面同意等。

2015年7月24日，普加喬夫行使了保護人權利，將5個信託原受託人改由其嚴密控制的4個新成立的信託公司。

經過審理，倫敦高等法院作了判決，認為信託本身並非信託財產的所有者，普加喬夫才是信託財產的所有者，債權人可以向其追償信託財產。

法院認為，普加喬夫設立信託契約時，賦予自己保護人角色並保留了廣泛的權利，其可借用保護人身份為自己的私利行使權利，該信託實際是「讓普加喬夫控制的信託資產」，並沒有「剝奪普加喬夫的實際所有權」；另一方面，保護人的權利屬於受託人，普加喬夫並沒有對信託資產的控制權和所有權，普加喬夫設立5個信託的意圖卻是讓其「保留最終的控制權」，因此信託契約是虛假的。而且，普加喬夫在債務追討期內設立信託，明顯屬於「欺詐性轉移」財產，是不合法的。

在普加喬夫案發生的前3年，香港也發生了一起類似的案例。

PLTO（簡稱P）與妻子KLK（簡稱K）於1968年在英國登記結婚，育有三名子女（其中2人於1995年、2000年先後過世）。P自1977年開始創業，經過10多年發展，成立了AL工程集團有限公司（簡稱「AL集團」，為哺所有生意的控股公司），並擔任集團主席。

1995年7月，P將AL集團84.63%的股權及另外一家公司REY Limited的股權（該公司持有P先生與妻子兒女共同居住的房屋）放在一起，設立了名為「TOPF Trust」（簡稱「信託」）的離岸家族信託（受託人為西班牙一家信託公司）。

2009年2月P提出離婚申請，2010年9月法院頒發了「永久離婚令」。隨後K申請上訴，要求對半分割信託財產。而P方認為，該家族信託中包含了女兒的權益，夫妻雙方僅擁有2/3的信託價值，K只能分割其中一半的財產。

香港終審法院在審理中發現，在信託契約中，P為信託委託人、保護人和受益人之一。作為保護人，他擁有更換受託人、處置與分配信託資產或收益分的權利。

此外，法院還發現信託受託人並未參與到AL集團任何經營管理中，甚至沒有投票權和表決權。P不僅是AL集團的實際經營者，實質上已經成為AL集團的實際控制人。該信託的收入完全來源於AL集團所派發的股息，而且股息派發的時間及多少完全由P控制的公司董事會則決定。

因此香港終審法院最終否決了「該信託的價值中只有2/3權益是雙方的婚姻資產」的觀點，認為整個信託完全系P個人可支配的財產，應當作為夫妻的共有財產進行依法分配，最終P向前妻K女士支付約7.6億美元的費用。

威力來源於合法與正義

以上兩個案例表明，海外（離岸）家族信託並非是隨意可以操弄的避債工具或私人「小金庫」。實際上海外（離岸）家族信託的成立依然要以合法、合規、合情為前提。

普加喬夫似的借信託工具惡意躲避債務的行為被世界各國廣泛認為屬於「欺詐債權人信託」，這樣的信託幾乎在任何國家都得不到承認和保護。 普加喬夫及香港P先生的家族信託之所以被「擊穿」（不合規而視為無效），另一個重要原因就是兩人在信託契約中為自己預留了過多的權利，受託人幾乎被完全架空，導致整個信託契約失去了意義。

實際上，自將財富委託給受託人那一刻開始，委託人就應該有失去財富控制權的自覺意識，因為只有讓受託人對財富擁有獨立的管理、運作的權力，信託財產才能獨立於受託人、受益人而存在，也只有這樣，財產隔離才具有意義。既不想失去財產的控制權，又想讓信託財產安全隔離，這樣的信託在是個世界還不存在。

家族財富傳承無論採取何種形式進行傳承，都必須考慮合法公平、正義良俗，否則都不會受到法律保護。

很多富豪不想失去財富控制權，很大程度上源於擔心對財富「失控後」所託非人，特別是在自己身故後，受託人不能達到自己的委託意願。而且，在實際的案例中，的確發生過受託人因管理運作不當或瀆職，甚至惡意侵占，導致委託人財富巨大損失的案例。在這一點上，可通過設立自己以外的其他親密者作為「保護人」對受託人進行監督。但「保護人」的權利不能太大，如果大到完全架空受託人，同樣會使整個信託失去意義，而最終失去法律的保護。

在某些機構的宣傳里，海外（離岸）家族信託猶如逃稅、避稅的利器，實際上隨著全球CRS（銀行涉稅信息統一申報標準）的實行，很多設立在「避稅天堂」的離岸公司（包括家族信託）都被納入到各國稅收信息的交流環節之中。目前，全球已有100多個國家加入了CRS協議之中，其中包括開曼群島、英屬維京群島（BVI）、巴拿馬、澤西島等「避稅天堂」。2019年1月1日，開曼群島和BVI（英屬維京群島）正式實施《經濟實質法令》，法令規定：只要在當地成立和註冊的公司，除了投資基金以外，都需要在開曼有實質性的經營業務，比如定期召開董事會，在開曼從事核心創收活動，要有與公司形成的收入相符合的營運支出、員工人數，必須當地稅務局提交基本稅務報表，以證明公司存在實質性經營。否則將面臨罰款、註銷甚至牢獄之災的風險。

此舉迅速打開了「避稅天堂」的神秘闕口，富豪們藏在「避稅天堂」的財富自此不再雲遮霧罩。如繼續掩藏，富豪們將面臨「避稅天堂」當局的罰款，並將受到其住在國稅務機關的追討和罰款。

總之，家族信託特別是海外（離岸）家族信託並非是萬能的財富保險箱，其保險性依然來自於社會所公認的合法、公平與正義。任何來自於非法渠道，用於非法目的家族財富，任何違背公義良俗、正常邏輯的財富信託，最終都將失去其保護的外殼。

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    不是所有的遊戲都適合使用娛樂城體驗金。理想的選擇應該是具有高回報率的遊戲，或者是您已經非常熟悉的遊戲。這將最大程度地降低風險，並提高您獲得盈利的可能性。
    III. 深入探討常見遊戲的策略與技巧
    A. 介紹幾種熱門遊戲的玩法和策略
    對於不同的遊戲，有不同的策略和技巧。例如，在德州撲克中，一個有效的策略可能是緊密而侵略性的玩法，而在老虎機中，理解機器的支付表和特性可能是獲勝的關鍵。
    B. 提供在遊戲中使用體驗金的實用技巧和注意事項
    體驗金是一種寶貴的資源，使用時必須謹慎。一個基本的原則是，不要將所有的娛樂城體驗金都投入一場遊戲。相反，您應該嘗試將其分散到多種遊戲中，以擴大獲勝的機會。
    IV.分析和比較娛樂城的體驗金活動
    A. 對幾家知名娛樂城的體驗金活動進行比較和分析
    市場上的娛樂城數不勝數，他們的體驗金活動也各不相同。花點時間去比較不同娛樂城的活動，可能會讓你找到更適合自己的選擇。例如，有些娛樂城可能會提供較大金額的體驗金，但需達到更高的賭注要求；另一些則可能提供較小金額的娛樂城體驗金，但要求較低。
    B. 分享如何找到最合適的體驗金活動
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    V. 結語：明智使用娛樂城體驗金，享受遊戲樂趣

    娛樂城的體驗金無疑是一種讓你在娛樂中獲益的好機會。然而，利用好這種機會，並非一蹴而就。需要透過理解活動規則、選擇適合的遊戲、運用正確的策略，並做出明智的決策。我們鼓勵所有玩家都能明智地使用娛樂城體驗金，充分享受遊戲的樂趣，並從中得到價值。

    娛樂城

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    投注：
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    賠率：
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    機會率：
    在百家樂中，下注莊家的期望值只有約1%左右的優勢，和大多數賭場遊戲相比相對較低。

    結論
    百家樂是一種簡單易懂的賭博遊戲，也是一個非常社交化的遊戲。在百家樂桌上，通常有一名荷官負責發牌和管理遊戲進程。玩家只需要在莊家、閒家或和局中選擇一方下注，然後觀察牌局結果。

    百家樂的玩法優勢在於其遊戲節奏快速，且無需玩家做出複雜的決策。遊戲結果完全基於牌的發放和點數計算，使得玩家可以輕鬆參與，無需特別的技巧或策略。

    此外，百家樂也因其高投注限制而聞名。在高額賭桌上，玩家可以下注巨額金額，使得這個遊戲成為富豪和高額賭徒的首選。然而，即使在小賭桌上，百家樂仍然吸引著許多玩家，因為它提供了一種緊張刺激的賭博體驗。

    百家樂也具有一些特殊的傳統和儀式。例如，在一些賭場中，荷官會使用一把特殊的牌具，稱為百家樂靴（Baccarat Shoe），其中放有多副牌。這種做法旨在提高遊戲的公平性和隨機性。

    總的來說，百家樂是一個受歡迎的賭博遊戲，不僅因其簡單易懂的規則，而且因其高投注限制和社交化的特性。無論是在實體賭場還是在網絡賭場，玩家都可以享受到這個刺激的遊戲，並期待著幸運女神的眷顧
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