中国家族企业财富积累达到一定规模后,家族和家族企业共同面对的是家族企业的持续发展和经营问题。中国家族企业财富传承的需求现状共性是公司股权架构的合理安排、接班人的顺利就位、家族企业与家族的风险隔离和家庭成员之间的财产风险隔离。目前中国家族财富传承常用工具及办法是遗嘱和遗嘱信托、家族信托、大额保单或保险金信托及公益基金和慈善信托,家族企业采取的是境外布局。重资产型、企业负债经营、财富形态多元化及财富管理行业和管理工具的现状等使得带来财富传承面临困境和难点。通过家族企业发展规划与战略思考、产业结构调整与布局、企业负债风险控制与止损和股东分红与股权变现来充盈现金资产,突破难点和困境,拓宽财富管理与传承之路。
<<When the assets of Chinese familial enterprises developed to a certain extent,the existing states of wealth may bring a series of confusions to the families or familial enterprises;for example,they need to joint up against the problems in corporative sustainable development and operational difficulties. Wealth succession of Chinese familial enterprises share commonalities in needs,like the arrangements of ownership and stock right of enterprises,the smoothness of succession process,risk management and isolation among familial enterprises and families,as well as property risk isolation between family members. Setup and application of wills and testamentary trusts,family trusts,large insurance policies or insurance trusts,and charitable funds and trusts are the common ways in nowadays Chinese familial wealth succession,which is usually done overseas. Circumstances of asset-orientation,operations-on-borrowings of corporations,differentiation of wealth status and wealth managements cause difficulties to inheritance. In order to achieve cash assets in abundance,development strategy planning,restructure of industry and its layout,risk controls and loss-stop in corporative liability are utilized as tools to tackle the problems,as well as the drawings of dividend and stock-rights. Improvements in wealth succession are foreseeable and promising.
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