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內(nèi)容簡(jiǎn)介

　　本書從家族財(cái)富管理與傳承過(guò)程中存在的問(wèn)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(xiǎn)與挑戰(zhàn)。同時(shí)聚焦于家企混同風(fēng)險(xiǎn)、債務(wù)穿透風(fēng)險(xiǎn)、財(cái)產(chǎn)代持風(fēng)險(xiǎn)、稅務(wù)合規(guī)風(fēng)險(xiǎn)、企業(yè)家刑事風(fēng)險(xiǎn)、資產(chǎn)管理風(fēng)險(xiǎn)、家族婚姻風(fēng)險(xiǎn)、家族傳承風(fēng)險(xiǎn)等核心風(fēng)險(xiǎn)，對(duì)其進(jìn)行充分的分析與解構(gòu)，并給出風(fēng)險(xiǎn)防范措施的專業(yè)建議與極具參考意義的案例，更把財(cái)富管理工具的針對(duì)性運(yùn)用充分地融入其中。在構(gòu)建家族財(cái)富管理體系方面，本書把家族財(cái)富管理分為四大模塊——企業(yè)財(cái)產(chǎn)合規(guī)化、合規(guī)財(cái)產(chǎn)私有化、私有財(cái)產(chǎn)系統(tǒng)化、系統(tǒng)財(cái)產(chǎn)傳承化，讓讀者對(duì)“財(cái)富管理體系”一詞有了更加立體的理解與收獲，對(duì)于財(cái)富管理者搭建家族財(cái)富管理架構(gòu)時(shí)亦有參考與借鑒價(jià)值。書中還重新定義了財(cái)富的本質(zhì)和財(cái)富管理服務(wù)的內(nèi)涵，認(rèn)為財(cái)富并不是簡(jiǎn)單的金錢概念，財(cái)富管理更不是單純的數(shù)字管理。財(cái)富管理應(yīng)該是圍繞著“身體健康、內(nèi)心通達(dá)、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(cái)富管理服務(wù)體系。

作者簡(jiǎn)介

　　尚祖安萬(wàn)時(shí)財(cái)富管理咨詢創(chuàng)始人，理財(cái)規(guī)劃、財(cái)富管理資深專業(yè)人士。從事財(cái)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(cái)富管理與傳承服務(wù)超過(guò)26年。中國(guó)銀行業(yè)協(xié)會(huì)《私人銀行理論與實(shí)務(wù)》教材編寫委員會(huì)委員、專家顧問(wèn)委員會(huì)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(cái)富管理專家，中國(guó)式股東互保創(chuàng)始人。執(zhí)業(yè)超28年，專注于財(cái)富保護(hù)與財(cái)富傳承、家族企業(yè)治理、股權(quán)傳承、家族信托等領(lǐng)域。長(zhǎng)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(wú)訟，家和業(yè)興。季亨卡中倫律師事務(wù)所合伙人，具有中國(guó)和美國(guó)律師資格。一直以來(lái)深受超高凈值家族客戶信任，擅長(zhǎng)于家族財(cái)富規(guī)劃、財(cái)富保護(hù)與財(cái)富傳承。曾多次榮獲國(guó)際評(píng)級(jí)機(jī)構(gòu)（錢伯斯、法律500強(qiáng)等）在私人財(cái)富、稅務(wù)領(lǐng)域的特別推薦。

圖書目錄

第一章　為什么富過(guò)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(guò)三代，艱難的挑戰(zhàn)······················································8
第三節(jié)　財(cái)富平分，錯(cuò)誤的選擇·····················································13
第四節(jié)　認(rèn)知局限，失敗的根本·····················································15
第二章　財(cái)富管理是在管什么
第一節(jié)　重新定義財(cái)富管理···························································25
第二節(jié)　管理流動(dòng)性：財(cái)富不流動(dòng)不增值··········································32
第三節(jié)　管理風(fēng)險(xiǎn)：富貴險(xiǎn)中求·····················································34
第四節(jié)　富人的財(cái)富管理邏輯························································38
第五節(jié)　財(cái)富管理的系統(tǒng)化···························································42
第三章　企業(yè)財(cái)產(chǎn)合規(guī)化
第一節(jié)　家企隔離：守護(hù)家族財(cái)富安全············································50
第二節(jié)　擔(dān)保、對(duì)賭與代持：穿透的不只是財(cái)富·································61
第三節(jié)　家族債務(wù)風(fēng)險(xiǎn)隔離策略·····················································72
第四節(jié)　刑事責(zé)任風(fēng)險(xiǎn)：企業(yè)主的成功陷阱·······································78
第四章　合規(guī)財(cái)產(chǎn)私有化
第一節(jié)　什么是財(cái)富管理中的財(cái)富私有化··········································92
第二節(jié)　企業(yè)財(cái)富私有化的實(shí)現(xiàn)路徑···············································93
第三節(jié)　企業(yè)上市，財(cái)富落袋為安················································ 105
第四節(jié)　個(gè)稅，不可跨越的必經(jīng)之門··············································114
第五章　私有財(cái)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(xiǎn)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(xiǎn)與防范······························· 156
第四節(jié)　財(cái)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(cái)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(cái)產(chǎn)傳承化
第一節(jié)　財(cái)富傳承沒(méi)有機(jī)會(huì)再重來(lái)················································ 220
第二節(jié)　家族財(cái)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(yùn)營(yíng)與管理············································· 285
第五節(jié)　家族傳承與家族憲章······················································ 299
第七章　選對(duì)財(cái)富管理從業(yè)者
第一節(jié)　要特別小心只談優(yōu)勢(shì)與低價(jià)競(jìng)爭(zhēng)的從業(yè)者···························· 321
第二節(jié)　真正的專業(yè)人士會(huì)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(píng)估職業(yè)道德························································· 331
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