新加坡 | 中小企业业主如何为家族财富做资产保全

作为中小企业业主,为什么需要为家族企业传承计划做资产保全?

资产保全是中小企业家族企业传承计划的一个重要方面。原因如下:

1、保护家庭财富:资产保全有助于保护家庭和企业积累的财富。它涉及实施战略和结构,以保护资产免受诉讼、债权人、破产或不可预见的财务危机等潜在风险的影响。通过保护资产,企业主可以确保他们辛辛苦苦创造的财富得以保全并可以传承给下一代。

2、最大限度地减少个人责任:作为企业主,在发生与企业相关的法律索赔或财务债务时,始终存在个人责任的风险。通过实施资产保全措施,例如为企业建立独立的法人实体(例如有限责任公司或公司),所有者可以保护其个人资产免受潜在的业务相关责任的影响。这种分离有助于保护个人财富,并降低在发生影响业务的不利事件时损失个人资产的风险。

3、确保顺利传承:资产保全在确保顺利传承计划方面发挥着至关重要的作用。通过保全资产,企业主可以帮助最大限度地减少所有权过渡期间可能出现的潜在争议或索赔。它允许将资产结构化有序地转移给下一代,保护相关家族成员的利益和企业的长期稳定。

4、保持业务连续性:资产保护措施还有助于在面对意外事件或挑战时保持业务连续性。通过保护关键资产、知识产权和财务资源,企业主可以帮助确保企业在不确定或转型时期保持弹性和运营。

5、为子孙后代保留价值:资产保全有助于为子孙后代保留企业价值。通过保护资产,企业主可以保持企业的完整性和价值,使其成为下一代接管的有吸引力且可行的实体。这可以延续家族遗产,并确保企业仍然是未来家族成员的宝贵资产。

 

总体而言,资产保全是中小企业家族企业传承计划的重要组成部分。它有助于保护家族财富、最大限度地减少个人责任、促进顺利继承、保持业务连续性并为子孙后代保留价值。咨询在资产保全方面经验丰富的法律和金融专业人士可以针对企业主的具体情况提供量身定制的指导和策略。

 

在家族企业继承的情况下,中小企业主可以考虑使用多种金融工具来保护资产。以下是一些例子:

1、信托:设立信托可以是一种有效的资产保全策略。信托允许企业主将资产所有权转让给受托人管理的独立法人实体(信托)。该信托为了指定受益人的利益持有和管理资产,受益人可以包括家庭成员或子孙后代。信托通过将资产所有权与企业主个人分开来提供一定程度的保护,有助于保护资产免受潜在风险或索赔的影响。(需要注意的是,新加坡信托最好提前三年设立)

2、有限责任公司(LLC):将业务构建为有限责任公司是中小企业的常见做法。有限责任公司通过分离个人和企业资产来提供责任保护。所有者的责任仅限于公司的资产,从而降低了个人资产面临与业务相关的负债的风险。这种法律结构可以在企业面临法律索赔或财务困难时帮助保护个人财富。

3、保险:各种保险产品可以为中小企业业主提供财务保障。要考虑的主要保险类型包括责任保险、营业中断保险和关键人员保险。责任保险有助于支付法律费用和诉讼中的潜在损失。如果企业面临影响其收入的中断,业务中断保险可以提供财务支持。关键人物保险通过在关键人物(例如所有者)死亡或残疾时向企业提供赔付,保护企业免受失去关键人物(例如所有者)的财务后果。

4、买卖协议:买卖协议是合同安排,定义了如果发生某些触发事件(例如所有者死亡或残疾)时企业会发生什么情况。这些协议概述了现有所有者或指定继承人购买和转让所有权权益的条款。买卖协议有助于确保业务平稳过渡,并提供公平评估和出售所有权权益的机制。

5、继任计划:虽然继任计划本身不是一种金融工具,但它是资产保护的一个重要方面。制定全面的继任计划(可能包括法律和财务策略)可确保资产和管理职责的顺利转移。它通过为过渡过程建立明确的指导方针和结构、最大限度地减少潜在纠纷并保持业务连续性来帮助保护企业和家族财富。

 

值得注意的是,这些金融工具的适用性和有效性可能会根据具体情况和法律要求而有所不同。建议向专门从事中小企业资产保护和继任规划的财务顾问、法律专业人士和保险专家寻求建议,以确定适合每种情况的最合适的方法。

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策