高净值人士预警 引起财富缩水的七宗罪
<div><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">大家好，我是今天的晨讯电台主播，来自青岛的王婧。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><br></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><br></p><p><br></p><section class="" style="max-width: 100%; line-height: 24.381px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; height: auto; font-size: 14px; box-sizing: border-box !important; word-wrap: break-word !important;"><section class="" style="margin-top: -30px; padding: 2em 1em 1em; max-width: 100%; border: 2px solid rgb(101, 0, 112); border-radius: 0.3em; color: rgb(212, 19, 104); box-sizing: border-box !important; word-wrap: break-word !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">古语云：“兵家之法，战守并重”</span></strong><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">，<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">引起财富缩水的“七宗罪”</strong></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">以提示高净值人士</span></strong><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">，<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">重视风险</strong></span><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"> </strong><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">，防范风险，规避风险</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">公私资产混同</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">企业是我的，企业需要时我的也可以成为企业的。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">那风险呢</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">如果企业的财产与企业主的财产混为一谈，公司的独立法人人格就难以获得法律认可，公司就不再受有限责任保护，公司的风险也会蔓延传导到个人。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">常见的风险点：公司与个人的财务混同、企业主以个人资产为企业担保、企业<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">“互保圈”、“担保链”断裂</strong>。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议：</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">1</strong><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">高净值人士提升资产保护能力，未雨绸缪，尽早对家庭个人资产与企业资产进行划分与隔离，把一部分资产单独隔离和管理，稳健运作，成为“隐秘核心实力”，在企业或家族遭遇重创时，该部分资产不会被认为是企业的资产而被冻结、抵债或罚没，能够维持以往的生活水准并成为东山再起的资源。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">2</strong><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">选择财富管理、法律等方面的专业人士提供意见与建议，专业的事交给专业的人。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">婚变冲击与隐患</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">婚变，破碎的不光是感情、家庭，还有财富！</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">结婚、离婚、再婚……可以看成<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">资产的不断重组</strong>，对高净值人士来说，婚变冲击可能会引发财富的严重缩水，还会造成代际财富继承的隐忧。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">（</span>1<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">）“创一代”自身的婚变导致夫妻反目、财产纠纷、股权争夺甚至影响家族企业的经营与发展；</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">（</span>2<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">）“创一代”对“富二代”的担心：独生子女的婚姻如果出现问题，如何避免外姓人分割资产？</span><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">前婚子女与再婚子女、非亲生子女在财富继承方面能否按照自己的意愿进行分配？单亲富豪在子女未成年时如果突发意外身故，子女如何获得妥善安排？财产是否会被离异另一方所掌控？</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">1<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、自身的财富保值、增值，合理运用<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">保险</strong>、<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">保险金</strong>信托等方式化解婚姻风险带来的财富缩水。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">2<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、保险中指定子女为<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">受益人</strong>的方式规避子女婚变风险。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">3<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、签订婚前协议，明确夫妻双方各自的财产和债务范围以及权利归属等问题，避免个人财产与婚后共同财产混同。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">投资决策失败</span> </strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">国内外经济环境越来越复杂</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">欧美复苏乏力</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">国内转方式调结构</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">经济下行压力加大</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">……等因素</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">加大了投资的风险！</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">1<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、根据自身风险承受能力，<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">合理配置各大类资产间的投资比例</strong>，并根据市场变化预期动态调整。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">2<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、可以有部分资金追求高风险高收益，但一定有定量的资金<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">以安全、保值、稳定为首</strong>，稳健运作。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;">3<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、记住，又有收益保障又有很高的流动性支持，还有诱人的投资回报，这三点合一的投资产品基本不靠谱。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">财富交接考验</span></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> <span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">“打江山容易守江山难”，未来的</span>10<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">年间年，中国的家族企业将迎来一个交接班的高峰。如何平稳实现财富的交接，也是中国民营企业继续发展的关注点与困难点。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;">1987-2005<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">年间香港、新加坡和中国台湾</span>217<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">个家族传承案例显示：在企业所有权和控制权发生代际变更的前</span>5<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">年和后</span>1<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">年，经市场调整的公司股价平均下跌</span>56%</p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">上海交通大学对国内</span>182<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">家在各行业排名居前</span>3<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">位的家族企业进行了调查，结果显示：</span>90%<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">的企业家希望由自己的子女继承家族企业，不愿意或者是非主动接班的有</span>82%</p><p style="max-width: 100%; min-height: 1em; text-indent: 28px; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;">1<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、在代际财富交接时先明确传什么，主要涉及到家族财富、家族价值观、家族成员间和谐关系等；其次需考虑如何传？明确家族治理、公司治理与风险管理的需求与措施。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;">2<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、结合自身的传承需求，采用法律、税务、财富等筹划手段，防范在代际传承过程中的风险，从而实现家族和企业的有效治理。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;">3<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、灵活、综合运用<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">保险</strong>、家族基金会等传承工具实现财富的顺利交接与传承。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;">4<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">、企业财富的传承通过完整的企业继任计划来实现。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">缺乏税务筹划</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">美国开国元勋本杰明</span>.<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">富兰克林曾说：“在这个世界上，除了死亡和税收，没有什么是确定的。”</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">随着社会制度的不断完善，税负是摆在所有人面前无法逃避的问题，尤其是对于高净值人士，他们的收入和所得，可能很大一部分都要因为税收原因而缩水。因此，税务筹划与管理，是所有高资产人士需要关心与准备的大事。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">《中华人民共和国遗产税暂行条例</span> (<span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">草案）》移民规避遗产税？”——第一条告诉你</span> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">按照资产所在地征税。</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">去世前把所有资产直接赠送给子女</span>? <span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">——第二条告诉你</span> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">去世前</span>5</strong><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">年内所赠予的财产要计入遗产总值。</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">遗产税交就交吧，反正留下的钱够子孙后代用了</span>?</p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">——第十五条告诉你</span> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">先缴清遗产税再继承遗产。</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">通过配置人寿保险可以达到税务筹划的作用。人寿保险金给付给指定受益人，不计入被保险人的遗产，即不会征收遗产税。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">其次，购买人寿保险的现金支出可以降低未来遗产税的税基，并且为缴付遗产税的税金提供现金流支持。此外，保险赔款免缴个人所得税。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">忽视提早周全规划</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">没有提前规划的财富传承将缺乏保障，严重的可能会导致继承纠纷、亲人反目、隐私曝光，家族遗产分配变成战场，财富也在转移中出现巨额耗损，大幅缩水。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">建议</span></strong></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">未雨绸缪是关键，同时合理规划十分重要：财富传承要先确定转移的对象，挑选合适的转移时机，配以适当的转移工具，尽量降低财富转移中不必要的损耗。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">防不胜防的风险</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">导致财富缩水的陷阱还包括一些防不胜防的风险，例如市场风险、政策风险、经营风险、人身意外风险、法律风险和跨境风险等。这些风险虽然可能只是小概率事件，但如有没有充分的防范和设置对冲风险的机制则可能对财富形成摧毁式的重创。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">近年来，中国财富市场蓬勃发展，同时高净值客户快速增长。然而，面对目前形势下经济下行与通缩、企业结构调整、收入分配制度改革、财税体制改革等一系列复杂的经济政治环境，在寻求财富增值的道路上，高净值客户极容易掉进财富缩水的陷阱，损失惨重，甚至倾家荡产。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">财富是用风险来衡量的，只有过滤掉风险的资产才是高净值客户真正拥有的资产，才得以</span><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">通过选择、组合传承工具来实现家业长青、永续发展。</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"> </p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">资料来源：搜狐财经</span></p><p style="max-width: 100%; min-height: 1em; line-height: 21px; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">撰稿人：江西分公司</span> </strong><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">罗李玉</span></strong></p></section></section></section></section><p><br></p><p><br></p></div>
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