"Why do you have to leave again?" Su Wenjin said dissatisfied.

Zhang Chen smiled: "No way, Dongying has made an appointment over there, and it has been too busy recently." ”

Su Wenjin and Zhang Guoqiang looked at each other, they couldn't understand what their son was doing at all, Su Wenjin sighed: "If you move the day after tomorrow, your relatives will also come over." Your third aunt has been knocking on the side with me several times, saying that you are alone in the United States, and her nephew is now in the United States, and she wants her nephew to join your computer company, which can help you. ”

Zhang Chen thought for a while, as if his third aunt had a younger brother in the United States, "What university did he graduate from?

Zhang Chen didn't mind the third aunt's careful thinking, human nature, there was nothing to criticize. Although it feels a little funny to listen to the phrase "help you", it is not incomprehensible.

Su Wenjin took the bottle to feed Zhang Xi, and said, "What is it called, Western Pacific University of Hawaii, studying business administration." ”

Zhang Chen almost sprayed rice when he heard it, I'll go, Tang Jun alumnus.

Zhang Chen smiled and said: "Mom, if he wants to do some business in the United States, I will help him with no problem, and forget about working in Matrix." ”

Su Wenjin was curious: "What's wrong? This university is not good?"

"It's not a question of whether it's good or not. Zhang Chen smiled and shook his head, "Mom, you know Claydon University, right?"

Su Wenjin used to be a young woman in literature, how could such a famous school not know, and said in surprise: "You said he bought this diploma?"

Zhang Chen said with a smile: "I don't dare to say whether I bought it or not, but this Western Pacific University is definitely not a serious school." ”

Su Wenjin was skeptical, but Zhang Guoqiang smiled, "When we went to Hawaii last time, did you think that place looked like a place with a good university?"

Zhang Chen shook his head: "I can't say that, the University of Hawaii is still quite good, and several of its branches are also ranked high in the United States, but this Western Pacific University I am sure that it is 100% not accredited, and you should be able to find it if you go to the website of the US Department of Education." ”

Su Wenjin said "oh": "Then how can I tell your third aunt? You can't make people feel that after you have money, you won't recognize your six relatives, right?"

Zhang Chen thought for a while: "Mom, in fact, I have thought about this issue before, and I plan to set up a family trust. ”

Su Wenjin was puzzled: "Family trust?"

Zhang Chen explained: "It is a tradition in the entire East Asian cultural circle for a person to attain the Tao, and if you ignore other members of the family, you will indeed be unhappy from a human point of view. But if everyone wants to work in our company, it will definitely have a negative impact on business operations. ”

Needless to say, the disadvantages of family businesses have been studied very thoroughly. Especially in China, almost every private entrepreneur will face the problem of incompetent members of the family dragging the enterprise back, and even many enterprises are dragged to death in the endless family internal friction.

Zhang Chen had a college classmate in his previous life, a rich second generation, and his family was engaged in machinery manufacturing. His grandfather was one of the first batch of businessmen in China to go to the sea, and he opened his own factory, and by the end of the nineties, it already had a large scale.

Two thousand years later, before his death, the old man handed over the family business to his five sons. The old man thought very simply, the five sons grew up together, they all had a good relationship and were very united, and they had worked in the company for so many years, and they were all proficient in business, so there would definitely be no problem.

But he ignored that if it was only five sons, it might be fine, but these five sons also have wives and families.

So, not long after the old man died, the five sons began to fight among themselves, desperately inserting "their own people" into the company, and these own people were almost all relatives.

Two thousand years later, Huaxia joined the TO, which was the stage when the manufacturing industry began to take off, and various companies got soft orders with their hands. But it's such a good market environment, and in less than three or four years, the huge property has been completely defeated, and there is still a lot of debt.

Zhang Chen paused for a moment and continued: "Of course, I can also give money directly, just like paying salaries, how much subsidy each family gives every month." But in the long run, people will basically be abolished. That's why I want to start this family trust. It can not only improve the living conditions of each family, but also improve their enterprising spirit, so as not to breed a group of unproductive rice worms within the family. ”

Zhang Guoqiang put down the newspaper in his hand and frowned: "Give money directly?"

Zhang Chen said patiently: "Giving money directly is just a metaphor, and the operation of family trusts is more complicated. To put it simply, I take out a sum of money and hand it over to a nominal third party to manage, and the beneficiary is the whole family. According to different amounts and conditions, family members can receive certain subsidies. For example, we can stipulate that the children of the family can receive an annual education allowance of 10,000 yuan or more until the age of 20. If you are admitted to a key university and graduate, you can get a subsidy of 50,000 to 100,000 yuan per year. If there are family members who want to start a business, after the fund review, they can get 100,000 to 500,000 yuan of entrepreneurial seed funds and so on. ”

At the same time, it is also possible to set cancellation conditions, such as if a family member commits a crime or acts to harm other members of the family, his subsidy will be cancelled. ”

Zhang Guoqiang and Su Wenjin stared wide-eyed: "Then isn't this the same as making a family rule and then enforcing it?"

Zhang Chen shook his head and said: "Of course it's different, first of all, the nominal ownership of this trust fund is a third party. Even if our business fails and goes bankrupt, the money in the trust fund will not be affected. Secondly, the legal effect of a family trust is even higher than that of a will, which is more beneficial for the settlement of disputes. The most important thing is that because it is managed by a third party, we can reduce a lot of emotional troubles, and whether the family members can get the money or not depends on themselves. If you give you the opportunity and you can't take it, they can't blame you anymore, right?"

Zhang Chen took a sip of water and continued: "The establishment of a family trust can not only enhance family cohesion, but also improve the quality and ability of family members, especially the next generation. The ancients often said that they could not be rich for three generations, because with the inheritance of the family, the good and bad in the family were uneven and the lack of progress led to the decline of the family. A family trust is the best solution to this problem. ”

Su Wenjin was quite moved: "Can this work? I haven't heard of anyone doing this? Is this protected by law?"

Zhang Chen smiled and said: "Mom, most of the people in China are now rich generation, and it is not yet time to inherit the inheritance, so the development in this area is still lagging behind, and the laws and regulations are not perfect." But abroad, family trusts are already very mature, and many wealthy people will use family trusts to handle their estates. You all know the Rockefeller in the political textbooks, right? The Rockefeller family and the Morgan family used family trusts to pass on wealth. ”

Zhang Guoqiang thought for a while and said: "This method is good, but since there is no one in China, how to operate it?"

Zhang Chen said confidently: "This is easy, now most family trusts are offshore, and Xiangjiang is the largest offshore financial center, so it is very convenient to set up this family trust in Xiangjiang." I'll get the lawyer to contact you in the next two days, and you can just tell them what you think, and then listen to their advice. ”

Su Wenjin opened his mouth and asked, "Then how much money do we have to come up with to set up this trust?"

Zhang Chen thought for a while: "There are not too many relatives in our family, and there are only more than 20 uncles and aunts in each family together. I will first inject 50 million Hong Kong dollars into this trust, and if there are more family members in the future and there are problems in the operation of the fund, I will inject capital at that time. ”