匯豐環球私人銀行:大規模財富正跨代轉移 家族下一代積極參與慈善事業
匯豐環球私人銀行在近期的全球客戶調查中發現,慈善事業已成爲亞洲及全球各地的家族預備下一代接管業務的重要工具,受訪的家族中有23%表示下一代有積極參與「慈善事業」,是繼「策略及規劃」(44%)和「財務」(36%)業務部門後的第三大最常見職能。
調查並發現,相比家族企業的第一代(21%),第二代及第三代(29%)參與慈善事業比例更高。對於設有基金會或慈善基金的家族,教育是首要慈善目標,有32%受訪者表示來年將關注。在大中華區,「長者支援」(23%)是第二多受訪者提及的重點領域,對應中國內地人口老化、相關需求日益增加的趨勢。
匯豐環球私人銀行信託管理環球主管翁秉倫表示,正見證大規模財富跨代轉移,以傳承計劃作爲過程的核心,從對慈善日益關注,到利用各種方式裝備下一代,各家族今天的決策將對未來產生持久影響。
該行預測,到2030年,淨資產達500萬美元或以上的富裕人士及其家庭,預計將跨代轉移總計18.3萬億美元財富,其中亞洲佔2.5萬億美元;全球85%家族已在預備下一代接管業務。以地區劃分,大中華區(90%)及東盟(86%)的準備率較高,反映亞洲家族有強烈意願推行傳承計劃。(gc/w)
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