发布时间：2019-11-11
《传承宝典》27
KYC前的九问与阐释
“所有的财富都是私人的。理解您的家族需求，始于理解并提出正确的问题。”
——英国Stonehage fleming家族办公室。
分享了他们在客户KYC之前的9个提问和阐释, 希望能对您家族财富的传承和梳理带来启迪。
1.您的家族对家族财富有一个共同的愿景吗?
拥有共同财富观的家族，通常比其他人更能成功地将财富传给下一代。每一个家族成员都需要认识到自己的角色。
2. 您对家族企业有什么抱负和顾虑?
家族企业往往远不止是一种金融资产，但所有权的目标和利益需要加以界定，并与风险相平衡一致。
3. 还有其他的资产严重依赖于您的个人专长吗?
许多企业主的投资很大程度上依赖于他们自己的专业知识、人脉和影响力。这些资产的代际传递，需要特别仔细的思考和准备。
4. 是否已有一套商定的框架以供家族决策?
成功管理集体持有的资产，通常需要集体决策，这被认为是公平的，也能够支持集体商定的目标和价值。
5. 您将怎样为继承者做好准备呢?
除了给予抚养、教育、经验和信心，他们每个人都需要理解并接受他们自己的期望和责任。
6. 你们之间讨论过传承的可行性吗?
通常明智的做法是，让下一代及早地提前了解对他们的期望，并参与制定一项事关传承的联合计划。
7. 您想向后代灌输什么样的价值观?
在允许个人充分实现自我价值的同时，大多数的家庭希望传递一种集体的文化和价值观，这种文化和价值观指导着家族的决策。
8. 您想用您的财富来推动公益事业吗?
对于家族来说，建立慈善基金会来支持他们喜欢的事业是很常见的，而且也是传递家族价值观和鼓励家族成员为了一个共同的目标而携手努力的一种方式。
9. 您的家族和家族的长期财富具有什么风险?
确定和优先考虑长期财富保值的关键性风险，可能是一个有启发性和价值的实践。最大的风险其实并不总是最为明显的风险。
English Version
All Wealth is Personal
"Understanding your family’s requirements starts with understanding the right questions to ask."
—— Stohehage Fleming family office may share their questions & view with you for better knowing your customer.
1. Does your family share a vision for the family wealth?
Families who develop a shared vision for wealth are generally much more successful than others at passing on the legacy for future generations. Every family member needs to recognize their role.
2. What are your ambitions and concerns for the family business?
The family business is frequently far more than a financial asset, but the objectives and benefits of ownership need to be defined and balanced against the risks.
3. Are there other assets which depend heavily on your personal expertise?
Many business owners make investments which depend heavily on their own expertise, contacts and influence. Passing on such assets requires particularly careful thought and preparation.
4. Is there an agreed framework for family decision making?
Successful management of collectively held assets usually requires collective decision making which is seen to be fair and to support agreed objectives and values.
5. How are you preparing those who will inherit?
As well as the upbringing, education, experience and confidence to take over, they each need to understand and accept their expectations and responsibilities.
6. Have you discussed the practicalities of the transition?
It is usually advisable for the next generation to understand what is expected of them well in advance, and to be involved in developing a joint plan for the transition.
7. What values do you want to instill in future generations?
Whilst allowing individuals full scope for individual fulfilment, most families want to pass on a collective culture and values, which guide family decisions.
8. Do you want your wealth to promote good causes?
It is common for families to set up philanthropic foundations to support their preferred causes, but also as a means of passing on family values and encouraging family members to work together towards a common purpose.
9. What are the risks to your family and your family’s long-term wealth?
Identifying and prioritizing the key risks to long-term wealth preservation can be an illuminating and valuable exercise. The biggest risks are not always the most obvious ones.
该文章转载自雷梭勒家族办公室，如有侵权，敬请告知删除。
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