2月25日-27日，上海高級金融學院家族财富首席投資官課程三期班在上海順利開啟。30多位來自不同行業的國内家族企業的家族成員和各大機構高淨值财富管理相關負責人齊聚一堂，他們将在頂級金融師資和業界大咖的引領下，共同探尋中國式家族财富傳承與基業常青之道。
On February 25-27,
當前，百年變局加速演進，外部環境更趨複雜嚴峻和不确定，使國内高淨值人群的财富保護傳承面臨極大挑戰。家族财富首席投資官課程作為适配中國高淨值家族的财富管理實踐課，通過引鑒全球家族治理理念、建立有效的家族财富管理體系，助力家族财富首席投資官們在進行财富保值增值的同時，做好财富代際傳承的謀劃。課程自2018年推出首期班以來，深受業界的廣泛好評，已成為高金最具特色的旗艦項目之一。
The 100-year-old change has accelerated, and the external environment has become more complex and uncertain, posing a great challenge to the preservation of wealth in the country. The family wealth chief investment officer course, which was launched as
本次開學模塊為期三天，由高金教授、EED項目聯席學術主任吳飛，高金會計學教授、中國金融研究院副院長及上海高金金融研究院聯席院長李峰，以及清華大學五道口金融學院全球家族企業研究中心主任高皓三位重磅嘉賓，分别圍繞家族财富管理框架，元宇宙、NFT，頂尖家族企業與家族辦公室的的傳承與發展等主題，帶來精彩授課。
The three-day period was marked by a three-day period, with Prof. Golding, Co-Director of EED Projects, /strang> Oh Fei, , Professor of Gold Accounting, Vice-President of the Chinese Institute of Financial Studies and Co-President of the Shanghai High School of Financial Studies, 開學典禮 opening ceremony 洞悉時局變遷，緻力永續傳承 開學典禮伊始，上海高級金融學院教授、EED項目聯席學術主任吳飛教授首先發表了歡迎緻辭。吳教授由全球政治局勢和國内經濟環境切入，闡明了大環境給企業家們的資産管理和财富傳承所帶來的全新挑戰，并強調了做好财務保護規劃、适時更新投資理念及風控策略的重要性。 The opening ceremony began with a welcoming speech by Professor Ng Fei of the Shanghai High School of Finance and Co-Director of the EED Project. Professor Oh was introduced by the global political situation and the domestic economic environment, explaining the new challenges posed by the management and transmission of wealth in the larger environment to entrepreneurs and highlighting the importance of financial protection regulations, timely updating of investment concepts and regulatory strategies. 吳教授表示，家族财富首席投資官課程第三期汲取總結了前兩期的經驗，在其基礎上持續疊代更新。課程重點囊括了資本市場中各類核心資産篩選配置的方法論，以及國内外家族治理和傳承的成功精髓。除此之外，高金家族财富俱樂部将為學員搭建一個終身學習平台，學員将有機會與來自各地的家族企業和各大金融機構進行深入的溝通交流。 Professor [span] said that the third phase of the Family Wealth Chief Investment Officer course, drawing on the experience of the first two issues, was continuously updated on its foundations. The course focused on the methodology for all categories of core resource allocation in the equity market and the success of family governance and legacy within and outside the country. In addition, the Gold Family Wealth Club will build a lifelong learning platform for its members, who will have the opportunity to engage in in-depth communication with family businesses and major financial institutions from all over the world. 随後，EED招生主管陸祖豪老師發表了誠意滿滿的緻辭，向在座學員們表示了熱烈的歡迎。“今天我有一個很深的感觸是親切。”他介紹道，在新學員中，有高金EMBA、GES項目的優秀校友，有校友下屬、校友家屬，也有高金前同事，他衷心感謝大家對高金的認可與支持。他鼓勵學員們全身心地投入到課程學習中，真正地做到學以緻用，并努力把班級文化建設好，把高金家族财富首席投資官課程的品牌打得更響。 “I have a deep feeling today that it is cordial.” He introduces that among the new cadets, there are high-value EMBA, GES high-quality alumni, alumni, alumni, alumni, alumni, alumni, and former high-prime colleagues, who thank you very much for your recognition of and support for Gold. He encourages the students to invest their whole minds and minds in the course of their studies, to truly use it, and to strive to build up a class culture that is more powerful in the brand of the Gold family's chief investment program. 二期班班長，中彙控股集團董事長、漢景彙信家族辦公室董事長吳治國作為老學員代表發言。他在分享自己的求學收獲中談到，“課程完整全面的家族資産管理體系和架構令我獲益匪淺。學習結束後，我學以緻用地對家族辦公室進行了大刀闊斧的改革和提升，取得了顯著的成效。”他希望三期班學員們能夠充分利用好課程提供的平台和資源，在理論、實踐和視野上都能“更上一層樓”。 The head of the second class, the director of the Chinese Constabulary Group, and the director of the Han Xinjin Xinjin family office, Oh Jiejiang, spoke as the representative of an old school student. He talked about "the complete family resource management system and structure of the course" as a way of sharing his learning gains. At the end of the course, I learned to make drastic changes and upgrades to the family office and achieved remarkable results. He hoped that the three classes would be able to make full use of the platforms and resources offered by the good course and that they would be able to “top-top” in theory, practice and vision. 最後，新學員代表，江蘇碩石投資有限公司執行董事，高金EMBA校友談林從自身經曆出發，分享了自己過去在高金EMBA項目中的難忘收獲。“感謝高金，讓我從一個對金融一竅不通的‘門外漢’蛻變成具備巧妙運用金融工具能力的‘多面手’。”他也代表新學員表态，呼籲學員們珍惜寶貴的學習機會，齊心協力讓三期班成為學風優良的“模範班級”。 Finally, ‘strong’, a new academic representative, the Executive Director of Jiangsu Cheok-seok Investment Ltd., and alumni of Goldman's EMBA, shared their outstanding gains from the Gold EMBA project from their own calendar. “Thanks Gold for making me a ‘multi-faced hand’ from an unwieldy ‘doorman’ who has no access to finance to the ability to operate financial instruments.” He also spoke on behalf of the new cadets, calling on the cadets to value their valuable learning opportunities and to work together to make the third class a “model class” of excellence. 課堂精華 吳飛：保護是家族财富管理的核心目标和根本訴求 2月26日上午，高金教授、EED項目聯席學術主任吳飛以主題為“家族财富管理框架和核心價值”的課程拉開了本期學習的序幕。他系統地為學員梳理了家族财富首席投資官課程的設計邏輯和框架，同時有針對性地分析了海内外知名家族企業成功及失敗案例。 On the morning of February 26, Professor 觀點精粹 ? 财富管理不隻是投資理财，收益是風險換來的。資産管理的核心是風險和收益的交換。 ? wealth management is not just investment, but returns are risky. Central to asset management is the exchange of risks and gains. ? 家族财富管理框架的核心在于處理“人的關系”和“權益的關系”。在理順“人的關系”時，需要明确公司股東、家庭成員和公司管理人員等不同角色之間的利益分配；而“權益的關系”則涉及所有權的結構設計，即需在集中所有權和分散所有權二者間做出權衡。 ? 對家族财富進行保護、管理和傳承實際上滿足了家族企業保障财富的系統性安全和家族基業長青的雙重目标。家族财富管理的核心目标是财富的保護，保護是根本訴求；在财富分配的時代，對财富的保護變得更為重要。 The protection, management and transmission of family wealth actually satisfy the systemic security of family businesses to secure wealth and the twin goals of family-based youth. The central objective of family wealth management is the protection of wealth, which is a fundamental claim; in times of wealth distribution, the protection of wealth becomes even more important. ? 所有權和控制、财富保全和增值、财富安全和合規、家族持續性和治理構成了家族财富風險維度的風險矩陣。對家族财富在企業資産、金融資産和家族資産等多重風險維度上進行深入剖析，才能有針對性地找到破解财富健康隐患的方法。 ownership and control, wealth preservation and value addition, wealth security and discipline, family continuity and governance are the risk matrix for the risk dimensions of family wealth. An in-depth analysis of the multi-risk dimensions of family wealth, such as corporate, financial and family assets, can provide a means of addressing the risks of wealth health. 李峰：經濟系統是元宇宙的最大要素 Li Feng: The economic system is the greatest element of the meta-cosm 去年，“元宇宙”概念引爆全球，吸引了科技和投資界的廣泛關注。它會帶來哪些投資機會？如何做好元宇宙的資産配置？本次開學模塊，特邀上海高級金融學院會計學教授、中國金融研究院副院長及上海高金金融研究院聯席院長李峰為學員帶來 “NFT/元宇宙和Fintech的未來”的主題分享。李峰教授以小見大從時下熱點和虛拟偶像切入，帶領大家一起探究元宇宙的前世今生、NFT的本質及未來發展趨勢。 Last year, the concept of the “won cosmos” detonated globally, attracting widespread attention from the scientific and investment community. What investment opportunities will it bring? How can the cosmos be configured? 觀點精粹 ?元宇宙目前尚無明确定義。作為一個尚在行程中的新興事物，沒有人可以講清楚元宇宙是什麼。從廣義上而言，人們可以生活、工作、社交、娛樂的虛拟世界都可以算是元宇宙。 ?被稱作“元宇宙”第一股的Roblox公司将元宇宙分為身份、朋友、沉浸感、低延遲、多元化、随時随地、經濟系統和文明八大屬性，且又可分為三重維度，其中經濟系統為重中之重： Roblox, which is known as the first share of the meta-cosmos, divides the meta-cosmos into identity, friend, immersion, low delay, pluralism, locality, economic system and civilization, with a three-dimensional dimension in which the economic system is of the highest importance: 1、這個體系必須制定規則，确保消費者得到公平對待，避免出現大規模的作弊、欺詐或是詐騙； 1. The system must establish rules to ensure that consumers are treated fairly and avoid widespread fraud, fraud or fraud; 2、創作者都能參與這個經濟體系，獲得回報； 2. The creators are able to participate in the economic system and get a reward. 3、也要确保公司能夠在這個平台上自由發布内容并從中獲利； It is also important to ensure that companies are free to publish content and benefit from it on this platform. 4、隻有當大部分收益歸創作者所有，而不隻是被搭建平台的公司獲取，這樣的體系才能稱之為平台。 4. The system can be called a platform only if most of the proceeds are owned by the creators and not just by the companies that set up the platform. ?理論上而言，元宇宙應該是去中心化的。雖然去中心化金融尚處于早期階段，但這一新興經濟形态已在數個區塊鍊的應用中開始進行。未來尚不可知，但每一個新應用都會拉近我們與去中心化金融的距離。 The theory is that the meta-cosmos should be centralized. While centralization is still in its early stages, this new economy has begun to be used in several chains. The future is unknown, but every new application will bring us closer to centralization. ?元宇宙是一個好的投資領域，但并不意味着現在是好的投資機會。大家需要多關注如：雲計算、虛拟現實、網絡遊戲、在線支付、3D設計工具、平台、移動出行和奢侈品等行業。在資産配置時需對該市場持謹慎和觀察的态度，做好足夠的知識儲備以應對未來元宇宙帶來的全新機遇和挑戰。 There is a need for more attention: cloud computing, fictional reality, online games, online payments, 3D design tools, platforms, movement and luxury goods. There is a need to be cautious and observant about the market and to be well equipped to respond to new opportunities and challenges to the future meta-cosm. 高皓：家族需要建立産業和金融雙循環 High: Families need to build both industries and financial loops 2月27日，清華大學五道口金融學院全球家族企業研究中心主任、綠色金融研究中心副主任高皓為大家帶來《關鍵世代——全球家族企業的戰略、傳承與變革》《駕馭巨富——家族辦公室的全球前沿與中國實踐》的授課，将開學模塊推向了高潮。高皓教授旁征博引地運用了海量前沿的全球頂尖家族企業案例，以深入淺出的講解和生動形象的描述對家族财富管理與傳承做了精彩的論述。 On February 27, the Director of the Center for Global Family Business Studies of the Qinghua School of Finance of the Qingduang University and Deputy Director of the Green Financial Research Center, Gao /strang, brought to you the lessons of Key Generations – The Strategy, Success and Change of Global Family Enterprises – The Global Front of the Big Rich Family Office and China’s Realization. Professor Gao Quantified the top global family business case at the cutting edge to provide an excellent narrative of family wealth management and legacy. 觀點精粹 ?高皓教授從周期、制度、科技的力量展開分析，道破了“中國企業富不過三代”的主要原因： 1、周期的力量。能夠徹底影響我們工作生活的周期分别是：經濟周期，政治周期和戰争周期。 1. The power of the cycle. The cycles that can completely affect our working lives are the economic cycle, the political cycle and the war cycle. 2、制度的力量。面對貧富分化越來越大的現實，稅收對财富分配産生巨大影響，是最好的解決貧富差距的方法，而遺産稅是非常重要的調節财富不平等的方法。 2. The power of the system. In the face of the growing division of poverty, tax revenues have a huge impact on the distribution of wealth and are the best way to address the gap between the rich and the poor, while inheritance taxes are an important way to reconcile wealth inequality. 3、科技的力量。科技既能創造新财富，也能摧毀舊财富。科技是改變财富分配的範式。每一次科技革命都是财富重新洗牌的過程，一旦沒有順應科技的洪流，就會被颠覆。 Science and technology can create new wealth and destroy old wealth. Technology is a paradigm for changing the distribution of wealth. Every technological revolution is a process of reshuffling wealth, and if it is not followed by a flood of technology, it will be subverted. 因此，面臨國際環境和社會趨勢帶來的挑戰，個體最好對财富保持良好的心态。人人都應該認識到個體在時代洪流中的渺小性，所以我們需要順勢而為。 Thus, in the face of the challenges posed by the international environment and social trends, it is best for the individual to maintain a good attitude towards wealth. Everyone should be aware of the smallness of the individual in the current, so we need to go along with it. ?家族要想實現成功的傳承發展，要實現産業和金融的雙循環。産業和金融雙循環是實現基業長青的“金鑰匙”，家族财富首席投資官們不妨積極主動地去掌握這兩者間的互動邏輯。 In order for the family to succeed in its development, the two-fold business and financial cycle is the “gold key” of the young real-estate business, and the chief investment officer of the family's wealth needs to take ownership of the logic of the interaction between the two. ?家族辦公室的投資策略和家族财富來源有很大關系，主要有三種家族辦公室類型： The investment strategy of the family office has a lot to do with the source of family wealth, mainly three types of family office: 第一，身處傳統産業的家族，例如制造業、房地産等。他們既有轉型升級的戰略投資訴求，也有多元配置的财務投資訴求。同時，由于家族企業普遍處于成熟期，每年産生大量自由現金流，對風險的承受能力較強，也能夠忍受較長的投資期限。 First, families in traditional industries, such as manufacturing, premises, etc., have both strategic investment claims for upgrading and multiple investment claims. At the same time, because family businesses are generally mature, they have a large flow of free cash each year, are more resilient to risks, and are able to withstand longer investment deadlines. 第二，已經出售企業的家族。這類家族往往對風險的敏感程度最高、對流動性要求最強，同時也是對資産配置執行最徹底、專業化程度最高的家族辦公室。 Second, the family that has sold the business. These families are often the most sensitive to the risks, the most fluidly demanding and, at the same time, the most sophisticated and professional family office in terms of resource allocation. 第三，新經濟、科技類企業家族。這些企業家的學習能力更強，國際化程度更高。他們對家族辦公室的主要需求不是家族治理與傳承，而是盤活高估的股權資産，抵禦本業的不确定性。 Third, the new economic, technological, and corporate family. These entrepreneurs are better educated and more internationalized. Their main demand for family offices is not family governance and inheritance, but rather overvalued equity to offset the uncertainty of the business. ?設立家族辦公室主要有三大驅動力：家族财富與企業資本的分離；家族企業的出售和家族财富的傳承。家庭辦公室是對家族重大事項進行管理的核心機構，财富管理是其中關鍵的一部分。 The family office has three main driving forces: the separation of family wealth from corporate capital; the sale of family businesses; and the transmission of family wealth. The family office is the central institution that manages major family matters, and wealth management is a key part of it. 學員感言 cadets 林鵬飛 Bridge Capital 投資總監 Director of Investment 我曾經聽到過一句話“财富管理是每個人的人生最後一份職業”。不同往日，财富傳承話題不再單獨活躍在金融圈，業内流傳此話：财富傳承傳的是精神财富和物質财富，承的是對家庭社會的責任、奉獻和擔當。高金“家财”課程給我帶來很多收獲，既有理論基礎，又有實際案例，可操作性強。印象特别深的是資産配置解決方案與家族傳承解決方案部分的内容，都是經過系統的建模推演與邏輯論證，展現了高金教授團隊一流的專業能力與素質修養。前線打勝仗，後方是保障。合縱連橫，強強聯合，無往而不勝。 I have heard a saying that wealth management is the last profession in every person's life. Unlike the past, wealth transfers are no longer going into the financial world alone, and within the industry they are saying that wealth is the legacy of spiritual wealth and material wealth, and that it is the responsibility, commitment and responsibility of the family and society. 魏梁 ♪ Strange ♪/ strong ♪ 上海瀛東律師事務所 The law firm in Shanghai. 管理合夥人 非常榮幸能參加高金家族财富首席投資官第三期的課程。授課老師非常專業，班級氛圍也很好，同學課堂互動熱烈。此次的課程讓我更進一步地了解了發達國家家族辦公室的現狀以及未來中國家族辦公室的趨勢。在過去的一年裡，由于新冠疫情的原因，這種不可抗力其不單單對國家的經濟、社會發展造成了一定影響，對于我們每一個人來說都是一場未知的挑戰，也使我們每一個人必須在創富的道路上停下來，好好地去思考一下财富的保護和傳承。希望在未來的課程中，能有更多的收獲。 In the past year, as a result of the new crown epidemic, this force majeure has had an impact not only on the economy and social development of the country, but also on the unknown challenge for each of us, and has made it necessary for each of us to stop on the path of wealth creation and to think about the preservation and transmission of wealth. It is hoped that in the course of the future, more will be achieved. 張梓琳 "Jan Jing-Ling" 福建省數字裝備與柔性制造創新中心秘書長 Secretary-General of the Fujian Digital Equipment and Soft Manufacturing Innovation Centre 通過開學模塊的課程學習讓我感到受益匪淺。課程設計非常系統化，授課師資經驗豐富，讓原本枯燥的理論框架知識在豐富案例加持下變得簡單、易懂，整個課程内容“幹貨滿滿”。最難得是還有一班“寶藏”級同學，大家都很熱情親切，紛紛邀約互訪交流。随着中國第一批創富者進入守富、傳富的階段，家族财富管理也成為了一個新趨勢，未來可期。作為年輕一批“創一代”的我們也将通過這次學習，深刻了解家族财富管理的核心價值，為我們未來在守富、傳富的這條路上指明了方向。 The lesson was designed in a very systematic way, so that the knowledge of an otherwise boring theoretical framework became simple and easy to understand, and the whole course was “filled with goods.” The hardest thing was that there was a class of “treasure” students, who were eager and invited to interview each other. As China’s first creators entered the rich-and-rich phase, family wealth management became a new trend for the future. We, the younger generation, will also learn from the core values of family wealth management and chart the way for our future on the road to being rich and rich. -左右滑動查看精彩瞬間- - Slide right and left to view the wonderful moment - 家族财富首席投資官課程四期班熱招中，請識别二維碼查看課程詳情。 In the course of the 4th class of the Chief Financial Investment Officer of the family, see the details of the course at 2D.
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