財富跨世代：家族財富的管理與傳承

定　價：￥138.00

作　者：	尚祖安、于永超、季亨卡
出版社：	清華大學(xué)出版社
叢編項：
標(biāo)　簽：	暫缺

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ISBN：	9787302635369	出版時間：	2023-07-01	包裝：	精裝
開本：	16開	頁數(shù)：		字?jǐn)?shù)：

內(nèi)容簡介

　　本書從家族財富管理與傳承過程中存在的問題著手，為讀者系統(tǒng)地闡述了創(chuàng)富、保富、用富傳富所面臨的風(fēng)險與挑戰(zhàn)。同時聚焦于家企混同風(fēng)險、債務(wù)穿透風(fēng)險、財產(chǎn)代持風(fēng)險、稅務(wù)合規(guī)風(fēng)險、企業(yè)家刑事風(fēng)險、資產(chǎn)管理風(fēng)險、家族婚姻風(fēng)險、家族傳承風(fēng)險等核心風(fēng)險，對其進行充分的分析與解構(gòu)，并給出風(fēng)險防范措施的專業(yè)建議與極具參考意義的案例，更把財富管理工具的針對性運用充分地融入其中。在構(gòu)建家族財富管理體系方面，本書把家族財富管理分為四大模塊——企業(yè)財產(chǎn)合規(guī)化、合規(guī)財產(chǎn)私有化、私有財產(chǎn)系統(tǒng)化、系統(tǒng)財產(chǎn)傳承化，讓讀者對“財富管理體系”一詞有了更加立體的理解與收獲，對于財富管理者搭建家族財富管理架構(gòu)時亦有參考與借鑒價值。書中還重新定義了財富的本質(zhì)和財富管理服務(wù)的內(nèi)涵，認(rèn)為財富并不是簡單的金錢概念，財富管理更不是單純的數(shù)字管理。財富管理應(yīng)該是圍繞著“身體健康、內(nèi)心通達、家庭和睦、資產(chǎn)充裕、人際通融”打造有深度、有高度、有廣度、有溫度的財富管理服務(wù)體系。

作者簡介

　　尚祖安萬時財富管理咨詢創(chuàng)始人，理財規(guī)劃、財富管理資深專業(yè)人士。從事財富管理咨詢與培訓(xùn)行業(yè)，為高凈值、超高凈值家庭/家族提供財富管理與傳承服務(wù)超過26年。中國銀行業(yè)協(xié)會《私人銀行理論與實務(wù)》教材編寫委員會委員、專家顧問委員會專家。于永超北京未名律師事務(wù)所主任、創(chuàng)始合伙人，資深律師與家族財富管理專家，中國式股東互保創(chuàng)始人。執(zhí)業(yè)超28年，專注于財富保護與財富傳承、家族企業(yè)治理、股權(quán)傳承、家族信托等領(lǐng)域。長期為企業(yè)家、私人銀行及家族辦公室提供專屬服務(wù)。倡導(dǎo)天下無訟，家和業(yè)興。季亨卡中倫律師事務(wù)所合伙人，具有中國和美國律師資格。一直以來深受超高凈值家族客戶信任，擅長于家族財富規(guī)劃、財富保護與財富傳承。曾多次榮獲國際評級機構(gòu)（錢伯斯、法律500強等）在私人財富、稅務(wù)領(lǐng)域的特別推薦。

圖書目錄

第一章　為什么富過三代這么難
第一節(jié)　富有階層，跌落的原因······················································3
第二節(jié)　富過三代，艱難的挑戰(zhàn)······················································8
第三節(jié)　財富平分，錯誤的選擇·····················································13
第四節(jié)　認(rèn)知局限，失敗的根本·····················································15
第二章　財富管理是在管什么
第一節(jié)　重新定義財富管理···························································25
第二節(jié)　管理流動性：財富不流動不增值··········································32
第三節(jié)　管理風(fēng)險：富貴險中求·····················································34
第四節(jié)　富人的財富管理邏輯························································38
第五節(jié)　財富管理的系統(tǒng)化···························································42
第三章　企業(yè)財產(chǎn)合規(guī)化
第一節(jié)　家企隔離：守護家族財富安全············································50
第二節(jié)　擔(dān)保、對賭與代持：穿透的不只是財富·································61
第三節(jié)　家族債務(wù)風(fēng)險隔離策略·····················································72
第四節(jié)　刑事責(zé)任風(fēng)險：企業(yè)主的成功陷阱·······································78
第四章　合規(guī)財產(chǎn)私有化
第一節(jié)　什么是財富管理中的財富私有化··········································92
第二節(jié)　企業(yè)財富私有化的實現(xiàn)路徑···············································93
第三節(jié)　企業(yè)上市，財富落袋為安················································ 105
第四節(jié)　個稅，不可跨越的必經(jīng)之門··············································114
第五章　私有財產(chǎn)系統(tǒng)化
第一節(jié)　資產(chǎn)配置的相關(guān)概念、作用及結(jié)構(gòu)····································· 120
第二節(jié)　保險在資產(chǎn)配置中的規(guī)劃與意義········································ 142
第三節(jié)　系統(tǒng)化管理，需要重視婚姻風(fēng)險與防范······························· 156
第四節(jié)　財富全球化，需要考量全球身份規(guī)劃·································· 174
第五節(jié)　稅務(wù)合規(guī)與籌劃，財富安全私有化的根本···························· 182
第六節(jié)　家族辦公室的選擇與設(shè)立················································ 200
第六章　系統(tǒng)財產(chǎn)傳承化
第一節(jié)　財富傳承沒有機會再重來················································ 220
第二節(jié)　家族財產(chǎn)繼承分析························································· 230
第三節(jié)　不同司法環(huán)境下的家族信托············································· 253
第四節(jié)　家族慈善基金的運營與管理············································· 285
第五節(jié)　家族傳承與家族憲章······················································ 299
第七章　選對財富管理從業(yè)者
第一節(jié)　要特別小心只談優(yōu)勢與低價競爭的從業(yè)者···························· 321
第二節(jié)　真正的專業(yè)人士會從客戶的角度去規(guī)劃······························· 325
第三節(jié)　高知名度不等于高質(zhì)量服務(wù)············································· 326
第四節(jié)　選擇“三有”專業(yè)人士··················································· 328
第五節(jié)　如何評估職業(yè)道德························································· 331
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