At present, there are several modes of husband and wife's entrepreneurship: first, husband and wife jointly start a business and operate together;
Secondly, one of the husband and wife starts a business, and the other party joins in and takes up the main management roles (such as general manager, financial director, purchasing director, human resources director and other senior positions) to jointly manage;
Third, husband and wife start a business together and then split it into two or more enterprises. The husband and wife are in charge of different enterprises and operate separately.
In the above three cases, the role of husband and wife in the enterprise is very important, and the work is also very diverse. The impact on families and businesses is very great. Its influence includes several aspects:
First, the enterprise is doing well and the family is harmonious; Second, the enterprise is well run and the family is not well cared for.
Third, enterprises are generally run by themselves, and family members take good care of them;
Fourth, the enterprise is doing well, and the family is not in charge.
No one wants the last situation, but the first one is the most desirable. But in reality, the situation is always unsatisfactory.
Division of labor and cooperation have become very important in family businesses. Division of labor and cooperation here refers to the balanced division of labor and cooperation between enterprises and families. It is an unavoidable topic who takes care of the family more and who is more inclined to the enterprise.
Taking care of the family more refers to the management problems in the family fortune. Proper management of family fortune will promote the development of family business.
Family wealth management is divided into narrow sense and broad sense. Narrow sense only refers to monetary wealth, and broad sense includes money, industry (auxiliary) and people.
In my opinion, both husband and wife can focus on the wealth management of enterprises and families.
Judging from the current situation in China, women in the family play the latter more.
Some people say that this is the situation caused by the "requirement" of China traditional culture for female roles. Whether for cultural reasons or other factors, how to play this management role in family fortune is the most important.
When discussing wealth management, the most direct association is how to preserve and increase the value of monetary assets.
At present, more families are responsible for and manage this problem by themselves.
What and where to invest, most families still have the final say, and there is no more openness to entrust third-party wealth management institutions to manage their finances. Such as trust institutions, private banking departments, insurance, etc. (Of course, for the sake of confidentiality, some families who have managed their finances through trust institutions do not disclose information).
In addition to the management of monetary assets, more energy is devoted to the management of children.
No matter in developed areas or relatively underdeveloped areas, as long as enterprises accumulate certain wealth and families have two or more children, they will face more problems about children's education and training.
In fact, a child's family will also have the dilemma of child education and training.
For the family business, it is the biggest regret that it can't educate and train children well.
Even if the business is doing well, it's a pity that the children don't meet their expectations.
This has been recognized and valued by more and more entrepreneurs.
If you do a survey, what is the first wealth of family wealth?
The answer is almost the same: children are the most important wealth, and of course they rank first.
But in reality, our entrepreneurs need to reflect on how to balance the education and training of children and the creation of corporate wealth.
Not only the education and cultivation of children, but also more family wealth management needs rich family thinking:
Family culture?
Decision-making balance between family and business interests? The establishment and operation of family venture fund, education fund and public welfare fund?
Communication and contact with various professional wealth institutions? etc
All these require family members to make reasonable arrangements, "choose" a head, think systematically and act.