为什么财富规划要趁早 Why Early Wealth Planning Matters

最近有新闻报道，恒大集团创始人许家印设立的约23亿美元离岸信托，在香港被法院“击穿”。很多人看到这样的新闻都会担心：难道信托不再安全？是不是设立信托也无法保护资产？其实，问题并不在于“信托无效”，而在于——信托设立的时机与目的。

A recent report revealed that Evergrande founder Xu Jiayin’s offshore trust worth about $2.3 billion was “pierced” by a Hong Kong court. Many people began to wonder: does this mean trusts are no longer safe? Can trusts no longer protect assets? In fact, the issue is not that trusts are ineffective—it’s when and why the trust was created.

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问题解析 Problem Analysis

从香港法院的判决来看，主要理由在于信托的设立时机过晚，且目的存在“规避债权人”的嫌疑。在任何法域——无论是香港还是美国——如果信托的设立带有“逃避债务”或“隐藏资产”的目的，都可能被视为fraudulent transfer（欺诈性转移），从而被法院撤销。

In the Hong Kong ruling, the key reasoning was that the trust was established too late and possibly intended to shield assets from creditors. In any jurisdiction—including both Hong Kong and the U.S.—if a trust is created to avoid debts or conceal assets, it can be treated as a fraudulent transfer, and courts may reverse it.

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解决方案 Solution

真正有效的财富传承规划，必须在平稳时期、没有诉讼或债务风险的情况下提前进行。设立不可撤销信托（Irrevocable Trust）时，应当有明确的规划目的：传承财富、合理节税、保护后代。在美国，例如特拉华州（Delaware）、内华达州（Nevada）、南达科他州（South Dakota）等地，都以其完善的信托法律和资产保护制度闻名。

Effective wealth transfer planning should always be done early, when there are no pending lawsuits or creditor issues. An Irrevocable Trust should have a legitimate purpose—wealth transfer, tax efficiency, or long-term family protection. In the U.S., states like Delaware, Nevada, and South Dakota are well-known for their strong trust laws and privacy protection frameworks.

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风险提醒 Risk Warning

信托不是“藏钱工具”，也不是“临时避风港”。如果在风险已经发生后才匆忙转移资产，不仅无法实现保护，反而可能被法院认定为欺诈性行为，导致资产被追回、信托被撤销。财富规划的关键在于：合法、合时、合规。

A trust is not a hiding place for assets, nor a quick fix after a crisis begins. Transferring assets when risks have already materialized can be viewed as fraudulent, exposing both the trust and assets to reversal. Successful planning depends on legality, timing, and compliance.

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律所小贴士 The Shi Law Group Tip

熙承律师事务所（The Shi Law Group）长期为客户提供财富传承与信托规划服务。我们帮助客户在风险发生前建立完善的资产保护架构，确保每一步都在法律框架内稳健执行。如果您正在考虑设立信托、调整家族资产或跨境规划，欢迎与我们团队联系。

At The Shi Law Group, we help clients build solid wealth transfer and asset protection plans before risks arise. Our team ensures every structure is legally sound and strategically designed. If you’re considering setting up a trust or reviewing your current estate plan, contact us today.

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联系我们 Contact Us

熙承律师事务所专注于家庭财富传承、遗产规划、信托、遗嘱、婚前协议以及跨境资产规划等法律服务。我们致力于为纽约州和新泽西州的华人家庭提供专业、细致且贴心的法律支持。

The Shi Law Group, PLLC focuses on family wealth transfer, estate planning, trusts, wills, prenuptial agreements, and cross-border asset planning. We are dedicated to providing professional, attentive, and compassionate legal services to Chinese families in New York and New Jersey.

📧 邮箱 Email: info@mshilaw.com

📞 电话 Phone: +1 (917) 720-6943

🏢 地址 Address: 500 Old Country Rd, Suite 302, Garden City, NY 11530

如您希望了解更多关于遗产规划、信托或其他家庭法律事务的信息，欢迎随时联系我们。您可以通过电话、电子邮件，或在我们的网站上预约咨询，与我们的律师团队交流。

If you would like to learn more about estate planning, trusts, or other family legal matters, please feel free to contact us. You may reach us by phone, email, or schedule a consultation through our website.