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Future is Now《传承宝典》40 ——积极肩负家族财富的责任（下） 声明 本文内容来自Stonehage Fleming，由雷梭勒家族办公室编译整理，版权归原作者所有 导读：社会资本是文化资本的实际应用，能够让富裕家族融入生活和居住的社区。所以当谈到责任的时候，家族承担责任的目的是什么就非常重要了。对于企业家来说，不论是向公司投入资金、善待员工、尊重环境，还是支持当地、全国乃至全球的志愿服务与慈善事业，都能很好地展现责任担当，创造积极的社会影响。新冠疫情期间，已经能看到很多富裕家庭都做出了卓越贡献。 责任与社会资本 威斯敏斯特公爵家族名下的的格罗夫纳地产公司在疫情期间捐助了1250万英镑给英国国家医疗服务体系（NHS）、医学研究与发展机构以及帮助国家长期恢复的慈善机构。他在采访时提到了NHS员工和其他关键工作人员在疫情下受到的冲击：“他们也有自己的家庭和孩子，他们的健康和生活也在被疫情影响。他们在保证我们的健康，我希望我们也能够尽自己所能，保护他们和他们的家人。” 这个例子非常典型，富裕家庭拥有统一的价值观念，社会资本与家族宪章保持一致。很多富裕家庭对家族理念的态度非常谨慎，对于他们来说，让民众了解其参与的慈善活动有助于其公众形象的设立，也能展现其对社会的责任。认识到家族声誉与社会奉献的关系，逐渐成为富裕家庭越来越需要关注的事情。上述观点的例证数不胜数。有的家庭对于社会的回报不仅限于商业领域，而是采用了较为少见的方式，真正花时间成为医疗健康服务志愿者，帮助分发食物或者陪伴孤寡人群。现在，这些慈善行为应该融入到家族日常行为当中，成为家族社会资本战略的一部分。这样不仅有利于当地社区的发展，家族本身也能在实践中体会到积极的反馈和充实的生活。家族成员会在过程中更加了解自己，利用社会资本实现自己的目标，充分展现自己的社会责任。 责任与智力资本 一个家庭拥有越多的知识和经验，越能理解如何运用知识和影响力造福社会。脱离“真实”世界不利于富裕家庭建立对社会发展的责任感，而强调责任重要性的工具中，教育就是其中之一。富裕家庭往往更关注其智力资本的发展，会让家庭成员参加教育项目，有利于新一代年轻人形成明确清晰的世界观。传统教育启发学生认识历史和政治在社会发展中的重要作用，看清民众对于富裕阶层的态度。但是往往是非传统教育让人们理解到财富带来了怎样的责任。在过去，富裕家庭的子女教育往往集中在金融领域。但是现如今，在目的论的影响下，下一代的教育范围必须更加广泛，教会年轻人什么是责任，如何打理社交媒体上自己的形象，或者利用家族“品牌”聪明地运用影响力。 新冠疫情也让我们学习到重要一课——智力资本。疫情下，社会阶层、经济不平等问题更加显现，但同时也让人们团结在一起。家庭成员可以借此机会聚在一起，共同调整自己的观念，分享其在不同场合下获取的知识。和世界信息保持同步，有利于新一代家族接班人看清未来有什么在迎接他们，做好准备承担未来所需扮演角色的责任。这些家庭的家族办公室先发制人，首先提出了“新一代”教育项目，已经成功地培养起一些年轻家庭成员承担责任的意识。这些教育项目需要与时俱进，适应快速发展的社会和文化环境。 责任与金融资本 富裕家庭如果能够运用金融资本更好的承担社会责任，会带来非常巨大的影响。富裕家庭作为投资者，有可能积极改善商业与环境、社区、股东的关系。除通过财富方式回馈社会外，社会责任投资（SRI）也是富裕家庭参与和创造社会与环境福利的方式之一。富裕阶层可以与其顾问一起，创建符合环境、社会、治理（ESG）标准的投资组合。SRI的福利已经非常明显，ESG也正在逐渐发挥作用。疫情时期，从事商业时若不注重社会责任，会招致更加严格的公众监督，甚至会影响到自身股票价格。慈善事业一直是很多富裕家庭关心的内容。形成一致的财富目的，有助于家族完成慈善决策。目的达成统一后，家族可以在金融资本运作的过程中体现其价值观，并同时参与到社会资本项目中。部分评论家对于慈善持有怀疑的态度，质疑慈善资金并不是财富再分配的过程，社会也不会因此更加平等。他们担心慈善家更愿意支持“精英”事业，比如艺术或教育领域。确实，慈善事业也是财富的影响力之一，但是如果说慈善事业是完全同情心、没有想象力、没有责任感也是很不公平的。 肩负责任——战略的福利 每个富裕家庭都需要将确定财富的目标提上制定的战略日程。家族成员可以从中获益，培养起长期的责任感和意识感，同时也会对带动社会发展产生正向的连锁反应。拥抱财富带来的责任的最好方式就是让家族成员的每个行动都充分体现家族目的。这样家族就可以掌握自己行动的话语权。他们可以与家族顾问坐下来谈谈，如何在资本的四大支柱下确立财富的目标，帮助家族确立集体信仰。领导力恰如其分，有助于家族承担起文化责任，确保社会责任感融入到每位现有家族成员和未来接班人的脑海中。 如今，富裕阶层担任领袖位置的机会真实可触，只要能够合理运用财富的影响力。目前社会中，人们对于不平等现象和环境可持续等问题已经产生了集体的道德意识，尤其是新一代年轻人。现有家族成员需充分利用这股力量，发挥榜样的作用，肩负起自己的责任。 Original English Texts Responsibility and Social Capital Social capital is the practical application of a family’s cultural capital – the way a family relates to and engages with the communities they live and operate in. When it comes to responsibility, the concept of purpose is again key. For business owners, investing in their business, treating staff well, respecting the environment and supporting voluntary and charitable initiatives in the local, national and even international community are great ways of demonstrating that they take their responsibilities seriously and seek to make a meaningful impact. We have seen a number of exceptional initiatives by families through the Covid-19 pandemic. The Duke of Westminster’s Grosvenor Estate donated £12.5m to support the NHS, medical research and development, and charities helping the nation’s long-term recovery from the coronavirus pandemic. He spoke about the wider impact of the crisis on NHS staff and keyworkers: “They have children and families whose health and wellbeing will also be highly impacted by this crisis. As they keep us safe, I want to help provide as much support to them and their families as we can.” This is an interesting example of a family, which has an agreed set of values, living out that social capital in accordance with an agreed constitution. Many prefer to be discreet with their philanthropy. The decision here to talk publicly about specific charitable initiatives may be recognition that demonstrating responsibility to society, and recognising its relationship to their reputation, is increasingly important to wealthy families. Examples like this are supported by many other families, who may no longer have an operating business, but have offered their time in less formal ways. These include volunteering for health services, delivering food or simply keeping company with isolated people. Now is the time to embed these behaviours and weave them into a family’s social capital strategy. Not only will it make a positive contribution to local communities, but families also find these experiences positive and fulfilling. They learn a lot about themselves while confirming their purpose through social capital – a clear demonstration of responsibility. Responsibility and Intellectual Capital The greater the knowledge and experience a family can bring to bear, the greater it will understand how to use its influence for good. Being out of touch with the ‘real’ world is the biggest risk to a family building a sense of its commitment to the advancement of society. Education is one of the most important tools in addressing that. Focusing on developing a family’s intellectual capital through a programme of education for its members is crucial to maintaining a clear perspective on the world. Traditional education is instructive in looking at how history and politics intertwine to explain changes in societies and those societies’ attitudes towards the wealthy. It is often non-traditional education, however, that makes the difference in gaining a real understanding of the responsibilities that wealth brings. In the past, educating the children of wealthy families often focused on finance. Today, to be fit for purpose, next generation programmes need to be far broader, teaching younger people about their obligations, whether it be how to manage their social media profiles or use the family ‘brand’ to employ their influence wisely. Covid-19 has taught us lessons here too. As well as highlighting deep divisions and economic disparities in society, the crisis has also brought people together. Families can use this opportunity to tune their perspective and build on the knowledge they have gained of others in different circumstances. Staying in touch with what is happening in the world prepares the next generation for what lies ahead for them, bringing a sense of responsibility to whatever role they take on next. Those family offices that proactively addressed the need for a broader ‘Next Gen’ education programme early on have been successful in instilling a greater sense of responsibility in younger family members. These initiatives should evolve over time, to keep pace with the changing social and cultural landscape. Responsibility and Financial Capital Wealthy families have a huge opportunity to make a difference to societies through deploying their financial capital responsibly. As investors, families can effect positive change in the way businesses engage with the environment, communities and their shareholders. Socially Responsible Investing (SRI) is one way in which families can encourage and generate specific social or environmental benefits in addition to financial return. They may also work with their advisers to build a portfolio that fits with environmental, social and governance (ESG) criteria. SRI has already had real influence, while ESG is starting to take meaningful effect. Businesses that have not behaved responsibly during the coronavirus crisis have been the subject of increased scrutiny, often influencing their share prices if publically quoted. When it comes to philanthropy, families have an opportunity to be involved in a cause they care about. Agreeing a purpose for the wealth helps the process of deciding what that is. It demonstrates commitment to their values, via financial capital, while being involved as part of social capital initiatives. Some commentators are sceptical about philanthropy, questioning the assumption that it automatically results in the appropriate redistribution of wealth. Often, they fear, philanthropists are too inclined to support ‘elite’ causes like the arts or edu...

对中国采取强硬态度使两极分化的美国团结起来 导读： 美国时间11月7日下午，多家美国主流媒体报道，美国民主党总统候选人拜登已获得270张选举人票，赢得了2020年总统大选。这一消息，终于结束了特朗普和拜登最终谁会成为新一届美国总统的悬念。然而据美媒分析，无论是拜登当选还是特朗普当选，美国对中国采取的强硬态度都不会改变。本期我们转载一篇美国消费者新闻与商业频道（CNBC）2020年11月4日发表的时事评论文章。本文由雷梭勒从英文原文编译，版权归原作者所有。 原文标题：前贸易谈判代表说，对中国采取强硬态度使两极分化的美国团结起来 作者：萨赫利·罗伊·乔杜里 前白宫首席贸易谈判代表克莱特·威尔姆斯（Clete Willems）表示，对中国采取强硬态度，使目前两极分化的美国团结起来。无论谁入主白宫（截止发稿时，拜登已赢得了2020年总统大选），美国与中国的关系都将或多或少维持现状，艾金·岗波律师事务所合伙人威尔姆斯表示。“事情的真相是，对中国采取强硬态度，将使我们这个两极分化的国家团结起来。我们在政治上是两极化的，但在中国问题上不是两极化的。”威尔姆斯说，如果拜登获胜，他将受到政治环境的限制，不太可能回到他过去所持的一些被认为相对弱势的对华立场。不过，拜登的政策可能更具可预测性。 “你不会在半夜发推文宣布关税之类的事情，但总体轨迹将大致相同。我认为中国将不得不面对这一现实。”威尔姆斯说。由于贸易战、美国对中国公司的制裁以及美国对台湾和印度的支持增加，世界上最大的两个国家的双边关系，在过去几年里显著恶化。特朗普和他的政府谴责中国的不公平贸易行为，盗窃知识产权，以及最近的冠状病毒大流行。 威尔姆斯指出，两国之间的“第一阶段”贸易协议，解决了美国对中国做法的一些担忧。为了遏制长达18个月的贸易战，两国今年签署了一项贸易协定，推动中国加强其知识产权保护计划，并在两年内增加对美国制造业、能源、农产品和服务的采购。“如果你看看农业市场准入，以及知识产权的变化，那是一些真正有意义的东西，我认为那将是一份持久的遗产。”威尔姆斯说。他还说，对中国科技巨头华为实施的出口管制，令该公司陷入了生存困境。美国政府认为华为存在国家安全风险。 “显然，我们已经取得了一些成功。我认为在很多方面，还有很长的路要走。”他补充说，如果拜登获胜，他希望这位前副总统可以从特朗普手里“接过火炬”，并处理好一些涉及中国且尚未得到解决的重大问题。当被问及拜登政府领导下的美国，是否有可能重新加入大规模的跨太平洋伙伴关系贸易协定时，威尔姆斯指出该协定在国会面临两党反对。据威尔姆斯说，虽然拜登可能会再次考虑该协议，但在美国考虑重新加入该协议之前，需要对其中一些条款进行重新谈判。 Original English Text Being tough on China is what unifies a polarized U.S., former trade negotiator says Saheli Roy Choudhury, Published Wed, Nov 4 2020 11:27 PM EST Being tough on China is what unifies a polarized United States right now, according to former top White House trade negotiator Clete Willems. A day after Americans voted, the race between President Donald Trump and Democratic nominee Joe Biden is still up in the air — with six states yet to be called by NBC News. Regardless of who takes the White House, the relationship with China will remain more or less status quo, said Willems, a partner at Akin Gump. “The truth of the matter is that being tough on China is what unifies us in a polarized nation right now. We’re polarized in our politics but we are not polarized on China,” he told CNBC’s “Squawk Box Asia” on Thursday. Willems said that if Biden wins, he would be constrained by the political environment and will unlikely go back to some of the China positions he held in the past that were seen as relatively weak. Still, there would likely be more predictability in Biden’s policies. “You’re not going to have tweets announcing tariffs in the middle of the night kind of thing, but overall the trajectory is going to be more or less the same. I think China is going to have to deal with that reality moving forward,” Willems said. Bilateral relations between the world’s two largest countries have deteriorated significantly over the last few years due to a trade war, U.S. sanctions against Chinese companies, and increased American support for Taiwan as well as India. Trump and his administration have blamed China for its unfair trade practices, intellectual property theft, and more recently, the coronavirus pandemic. Willems pointed out that the “phase one” trade deal between the two countries addressed some of the concerns the U.S. has over China’s practices. To rein in an 18-month trade war, both countries signed a trade agreement this year that pushed China to strengthen its intellectual property protection plan and increase its purchase of American manufacturing, energy and agricultural goods and services over two years. “If you look at the agricultural market access, if you look for the IP changes, that was some real meaningful stuff and I think that will be a lasting legacy,” Willems said. He added that export controls imposed on Chinese tech giant Huawei, which was labeled a national security risk by Washington, sent the firm into survival mode. “There’s clearly been some successes to point to. I do think that in a lot of respects, there’s a long way to go,” he said, adding that he hopes that if Biden wins, the former vice president can “pick up the torch” from Trump and deal with some of the major issues concerning China that have yet to be addressed. When asked if there was a chance that the U.S., under a Biden administration, may rejoin the massive Trans-Pacific Partnership trade agreement, Willems pointed out the deal faced bipartisan opposition in Congress. While Biden may potentially look at the agreement again, there would need to be renegotiation of some of the provisions before the U.S. considers rejoining the pact, according to Willems. Sooswiss为您提供 瑞士方向私人管家式的定制服务： 1）家族传承 2）财富管理 3）瑞士投资 4）居留计划 5）税务优化 6）家族治理 更多资讯请登录网站 www.sooswiss.com

瑞士高等学府之丨日内瓦大学 导读： 日内瓦大学是位于瑞士法语区日内瓦州的一所公立大学，规模仅次于苏黎世大学，排在瑞士第二位，是瑞士法语区规模最大的研究型大学，其心理学和生物学在世界上享有很高的知名度，还有全球历史最为悠久和教学水平最高的翻译学院之一——日内瓦高级翻译学院(ETI）。作为世界百强大学之一，日内瓦大学享有国际声誉，是集合了欧洲12所最优秀的研究型大学的欧洲研究型大学联盟（LERU）以及科英布拉集团（Coimbra）的成员。 学校基本信息 法文名称：Université de Genève（UNIGE） 建校时间：1559年 授课语言：本科—法语 / 研究生—英语或法语 / 博士—英法双语 所在省州及城市：日内瓦 学校规模：日内瓦大学设有7个学系，1个研究机构及1个高级学院，拥有超过150个不同国籍的16500名学生，提供超过500个课程(包括136个学士和硕士专业课程，87个博士课程)和超过300个继续教育课程，涵盖极为广泛的领域 世界排名：2020年QS世界大学排名第110位，USNEWS世界大学排名第94名 学校特色 日内瓦大学是位于瑞士第二大城市日内瓦的一所公立大学，规模仅次于苏黎世大学，前身是1559年约翰·加尔文建立的日内瓦学院（拉丁语：Schola Genevensis）。作为一所神学院，这里主要教授修辞学、辩证法、希伯来语和古典希腊语，在欧洲宗教改革期间获得广泛声誉。经过启蒙时代，其学科领域逐渐扩展，1873年建立医学系后，正式更名为大学。日内瓦大学在研究质量上，享有很高的国际声誉，在欧洲研究型大学联盟中名列前茅。赢得这一赞誉很大一部分原因是：它与许多设在日内瓦的全球国际组织（如世界卫生组织，国际电信联盟，红十字国际委员会和欧洲核研究组织）建立了紧密联系。 学术实力 日内瓦大学以“研究学院”而著称，它在自然人文科学专业、艺术专业、高精尖研究专业均很出色。日内瓦大学提供超过500门课程，涵盖范围广泛: 精密科学、医学、人文学科、社会科学及法律等学科。其研究领域包括：生命科学 (分子生物学，生物信息学) ，基本粒子物理学和天体物理学。日内瓦大学还是七个国家研究中心的共同主办者，主要研究：遗传学前沿，MaNEP，PlanetS，SwissMap，化学生物学，精神疾病的突触基础，从生命历程角度来克服生命的脆弱性等课题。日内瓦大学的著名校友包括：前联合国秘书长，2001年诺贝尔和平奖得主：科菲·安南（Kofi Annan）；瑞士政治家，2007年担任联邦总统：米舍利娜·卡尔米-雷伊（Micheline Calmy-Rey）；2019年诺贝尔和平奖得主，现任日内瓦大学教授米歇尔·马约尔（Michel Mayor）和迪迪埃·奎洛兹（Didier Queloz）。 日内瓦大学共有 7个主要系别： 自然科学系 医学系 文学系 社会及经济学系 法学系 神学系 心理学及教育系 一所研究机构：建筑研究机构 一所高级翻译学院：日内瓦高级翻译学院 此外，日内瓦大学还设有多家跨专业研究学院，比如：电子信息学院、欧洲学学院、环保学学院、金融学院及师范学院。日内瓦大学还和一些独立学院共同办学，比如：高等国际政治学院 (IUHEI))、发展研究学院 (IUED)等。 入读及录取 本科阶段：日内瓦大学本科学制为3年，法语授课，申请者需达到法语语言水平：B2等级或以上。来自中国的学生，申请日内瓦大学需满足以下条件：高中毕业证+受日内瓦大学认可的（国内本科院校）毕业文凭/至少3年的在读证明（需要修得180学分）即可申请。*在本科申请阶段中，日内瓦大学没有对申请者的法语水平有具体要求，建议申请者法语达到B2水平，提交申请材料时附上法语B2语言证书。凭瑞士高中文凭申请：持有瑞士本地高中文凭（Matura证书）或州立高中文凭的学生可以直接免试申请，仅需通过当地高中的联邦会考，即可申请。 凭国际文凭申请： IB文凭：日内瓦大学承认IB文凭，申请人需提供以下课程的成绩单，若达到以下条件则无需参加入学考试（ *若不满足以下条件，则需要参加日内瓦大学的入学考试）： 1. 总分：32分或以上（仅计算学科学分，满分42） 2. 在6个科目类别中各有一个科目，且3门HL学科（高阶课程）中一门必须是数学或自然科学课 美国高中文凭+AP：申请者需取得美国高中文凭，中学阶段5门AP考试成绩达到3分及以上（5门AP考试需包括：2门语言、数学/微积分、1门科学科目、1门社会科学）并通过日内瓦大学的入学考试（法语）。 硕士阶段 要求申请者满足以下条件： 取得大学本科毕业证（3年以上全日制），本科阶段平均成绩：85+（国内双非大学要求平均成绩：90+）； 专业匹配：需申请与本科同专业方向的硕士，要求提供本科课程成绩单，并通过内部专业审核； 语言要求：申请英文授课的专业，雅思成绩需6.5分（单项不低于6分），托福100分（单项不低于22分）；申请英法双语或法语授课专业需要提供英语+法语B2以上的等级证书； 其他要求：绝大多数学科，如自然科学、生命科学和工科专业需提供GRE成绩，经济类学科提供GMAT成绩 学费 被日内瓦大学录取的学生都可免费入读（本科/硕士阶段），仅需交纳每学期500CHF的注册费。*瑞士国籍以外的申请学生，都需缴纳65CHF的一次性申请费。 雷梭勒教育事业部为申请瑞士公立大学的中国留学生，提供一对一管家对接式服务： 根据学生个人情况提供瑞士方向的专业咨询，并根据学生个人意愿与实际 情况定制学校申请方案 申请过程全面辅导追踪，协助申请人准备一切申请材料 留学申请文书润色与指导 协助申请人制定背景提升，制定规划时间表 低龄学生的长期学业规划 该文章转载自雷梭勒家族办公室，如有侵权，敬请告知删除。 Sooswiss为您提供 瑞士方向私人管家式的定制服务： 1）家族传承 2）财富管理 3）瑞士投资 4）居留计划 5）税务优化 6）家族治理 更多资讯请登录网站 www.sooswiss.com

Future is Now《传承宝典》39——积极肩负家族财富的责任（上） 声明 本文内容来自Stonehage Fleming，由雷梭勒家族办公室编译整理，版权归原作者所有 1. 社会和财富之间的关系是非常复杂的。社会关系良好的人若拥有财富，便能收获一切——高涨的人气、漂亮的衣服、洁白的牙齿、帅气的正手球、放松的时间、假期、美貌、健身、美酒、艺术、礼品数不胜数。但是最重要的是，财富会带来影响力以及社会中常见的权利分配不平衡的问题，或者再退一步，是财富导致大家产生了这样的想法。所以当我们谈论财富与责任的关系时，我们往往指的是财富的影响力和谨慎支配自己影响力的责任。全球新冠疫情持续冲击着社会和经济的发展，而对于富裕家庭来说，这也是个非常重要的时期，有机会去承担和履行责任、展现领导力的时期，不仅有利于全球各地区发展，家族本身也能从中受益匪浅。 责任与名誉 美国实业家、慈善家安德鲁·卡内基在其1889年的文章《财富的福音》中提到，他看见白手起家的富人阶层逐渐壮大，但是对于社会的责任却逐渐缩水，财富浪费情况非常严重。他在文章中写道：“如果一个家庭因其外在而出名，比如装修、摆设、豪华的家具或肆意挥金包装自己，而这样的现象刚好是这个家庭最突出的特点，那么我们就不难看出这个家庭有怎样的本质与文化了。” 卡内基的表述直言不讳，也确实说中了要点。活在财富及其荫蔽下的集体或个人若不对社会有任何回馈，社会群众会很难接受。当然，有时人们也会经常热衷于批判富人的行为都是自私的，而忽略了也有很多富裕家庭确实为社会作出了贡献。在新冠疫情爆发后，英国家用设备制造商戴森的响应非常迅速，根据英国呼吸机行动联盟的要求，赶制合规的呼吸机，帮助英国国家医疗服务体系（NHS）救治更多病人。早在2002年公司创始人James Dyson就创建了慈善基金会，疫情下也投入大量资金支持医学研究，并承诺以个人名义投入了数百万英镑资助呼吸机项目。但是这件事的报道热度远远比不上他在去年决定将Dyson总部从英国迁至新加坡这件事来得轰动。很多媒体对其行为进行了批判，《每日镜报》公开谴责“James Dyson在新加坡的4400万英镑公寓是虚伪的脱欧派为总部迁出英国而做出的铺垫”。不论是企业家、政治家、教师、商业领袖、宗教领袖还是知名人士，社会希望拥有财富和影响力的这群人能够考虑到大众的利益，善意行事，而非滥用财权，能够意识到有时尽管做了善事却很难被民众认可。富裕阶层的所为或所不为，都与其名誉紧紧相连。 在过去的十年间，富裕阶层面临越来越大的名誉风险，这背后有两个主要原因。第一，政治压力、监管压力以及越来越重的社会压力要求富裕阶层的经济活动透明化，这意味着全方位的严密关注，比如他们的行为是否与其财富地位和影响力相匹配。第二是社交媒体在我们生活中扮演着越来越重要的角色，这样的环境下，富裕阶层家庭成员的行为举止难免会被网友时刻关注，被批判作出了(自认为)不合时宜的举动。因此，很明显公众对于富裕阶层需要有所担当的理解已经不局限于捐款这么简单。公众社会期望富裕阶层在享受财富福利的同时也能保持正直，坚持资本的四大支柱中一贯的原则，始终考虑社会广大福利，即金融资本、文化资本、社会资本与智力资本。 责任与文化资本 一个家族的文化可以体现在确立共同目标或规范家庭成员行为的价值观上，包括每个人如何安排自己的生活、如何开展商业、如何对待他人等。这些文化价值观就是家庭对待社会责任很直接的态度。在家族文化中注入社会责任感，可以让家庭成员避免产生家族财富与社会的距离感，意识到自己需承担社会责任。个人行为对社会的责任需要考虑到普通民众对于不同生活方式的敏感性。新冠疫情之下，已经出现了很多富裕阶层有责任有担当的案例。今年3月，切尔西足球俱乐部作为一个私人俱乐部，免费开放斯坦福桥球场的千禧酒店接待NHS医护人员。无独有偶，英国足球评论员、前曼联后卫Gary Neville也开放了与前队友共同经营的位于曼彻斯特的证券交易所酒店以及老特拉福德球场的足球酒店。 同期，意大利家族制药企业巨头美纳里尼集团将其位于佛罗里达的部分厂房用于生产消毒凝胶，并免费捐献给医院和医疗机构。这样的案例全球各地时有出现。但是危机当前，也有部分政客、企业或高净值家庭表现出责不对位的行为。其中有些较为熟知的情况，比如部分非必要零售行业试图说服政府，在疫情期间开放店铺营业，声称自己提供的是“必要服务”。还有部分地区的企业直接要求员工无薪休假或者要求政府补贴，毫不动用家族企业所有人的资产。共同决定家族财富目的的过程中需要理清家族的每一个行动，自然而然地达成家族成员对于责任感的共识。形成共识后，有利于富裕家族减轻因其中某个家族成员作出不当行为后对于家族名誉的负面影响。只有当家族的责任在每位成员身上体现时，民众才会真正信任这个家族。制定家族宪章的过程可以让家族成员以较为正式的方式表达其观点，共同商议、讨论并达成共识。 Original English Texts EMBRACING THE RESPONSIBILITIES OF FAMILY WEALTH Society’s relationship with wealth is complicated. For those who have it, wealth affords many things – you can buy popularity, elegant clothes, white teeth, a stylish forehand, time to relax, holidays, beauty, fitness, fine wine, art, gifts and much more besides. More important than all of these though, wealth brings influence and – almost inevitably – results in the uneven distribution of power within communities, or at least, the perception that this is the case. When we talk about the relationship between being wealthy and having responsibilities, therefore, we are talking about the influence that wealth can bring and the responsibility of wielding that influence conscientiously. Following the continuing social and economic damage wreaked by the Covid-19 pandemic around the world, now is an important time for wealthy families. They have the opportunity to acknowledge and act on their responsibilities and demonstrate leadership. Not only will this help societies around the world but it will also be of great potential benefit to the families themselves. Responsibility and reputation In his 1889 essay, ‘The Gospel of Wealth’, American industrialist and philanthropist, Andrew Carnegie, described what he saw as the budding upper class of self-made rich shirking their responsibilities to society and wasting their fortunes. “If any family be chiefly known for display, for extravagance in home, table or equipage, for enormous sums ostentatiously spent in any form upon itself – if these be its chief distinctions we have no difficulty in estimating its nature or culture”, he wrote. For all his rather outspoken moralising, Carnegie had a point. Society is uncomfortable with the idea of people or organisations who enjoy the great advantages of wealth yet don’t give enough in return. Indeed, so fervent is this instinct to reproach the wealthy for acting in what appears to be self-interest, that the good that many families do is often overlooked. After the outbreak of Covid-19, British household appliance manufacturer, Dyson, urgently began developing devices in response to the Government’s Ventilator Challenge UK. The aim was to boost the number of ventilators made, assisting the National Health Service (NHS) to deliver lifesaving treatments. Company founder, Sir James Dyson, who set up a charitable foundation in 2002 that makes significant investments to support the advancement of medical research, undertook to fund the ventilator project himself at a cost of many millions of pounds. This episode went largely underreported in comparison to his decision the previous year to move Dyson headquarters out of the UK to Singapore. “James Dyson’s £44m Singapore flat as ‘hypocrite’ Brexiteer prepares for HQ move”, decried the Daily Mirror newspaper, among his many critics. Society expects people with wealth and influence – be they entrepreneurs, politicians, teachers, business heads, religious leaders or celebrities – not to abuse it and to act in good faith for the wider benefit of others – even if it doesn’t always credit them when they do. Their doing, or not doing so is linked indelibly to their reputation. Reputational risk has increased significantly for wealthy families over the last decade or so. There are two main reasons for this. Firstly, political, regulatory and – increasingly – social pressure on the wealthy to conduct their financial affairs more transparently has meant growing scrutiny from all angles. This includes whether or not they behave responsibly with their wealth and influence. The second reason is the growing role that social media plays in the way we live our lives. It has made it inevitable that the media and social network users are apt to seize on any action by a member of a prominent family that is irresponsible (or deemed irresponsible). It is clear, therefore, that the expectation for wealthy families to act responsibly stretches far beyond being generous with money. Society expects those who have the advantages of wealth to act with integrity and consistency across all of the Four Pillars of Capital to the greater good. That is, not only their financial capital, but cultural, social and intellectual capital too. Responsibility and Cultural Capital A family’s culture can be defined by its collective perspective and the values that define the way its members behave. This includes how they live their lives, conduct business and treat others. The expression of these cultural values is a clear demonstration of a family’s attitude towards responsibility. By engendering a culture of responsibility, families can help avoid the perception that their wealth puts a distance between them and the rest of society – that they may be ‘out of touch’. Being responsible in one’s behaviour towards others includes understanding the sensitivities around the different ways they live. The impact of the Covid-19 pandemic has provided many outstanding examples of generosity and responsible behaviour among the world’s wealthy. In March, privately owned Chelsea Football Club offered the Millennium Hotel at their Stamford Bridge ground as free accommodation to NHS staff. A similar initiative was taken by football pundit and ex-Manchester United defender, Gary Neville, who, together with former team mates, co-owns the Stock Exchange Hotel in Manchester city centre and Hotel Football at Old Trafford.Around the same time, family-owned Italian pharmaceuticals giant, Menarini Group, converted part of its production plant in Florence to manufacture disinfectant gel to donate to hospitals and healthcare organisations. There are many similar examples around the world. Unfortunately, the crisis has also revealed many instances where politicians, corporations and high net worth families have behaved in a manner inconsistent with the onus that comes wit...