台灣家族企業傳承的可行作法

原文轉載 – 作者:國富浩華聯合會計師事務所 楊淑卿會計師 2021/5/6 (原文連結)

壹、 家族企業在全球扮演重要角色

家族企業是一種普遍的商業型態,而且在全球商業中扮演著非常重要的角色。當家族規模發展至一定程度時,家族各項資本管理的難度將明顯上升,創一代與二代的接班問題也勢不可免。東方諺語說:「富不過三代」、巴西人說:「爹富子貴孫子窮」,都說明了家族財富及企業傳承的困難,能夠成功傳承三代以上的企業鳳毛麟角。日本的百年企業數量超過33,000家,居全球之冠,台灣也有500家以上的百年企業。台灣企業總數約150萬家,高達98%為中小企業,其餘2%的上市櫃公司中,也有超過70%為家族企業,占總市值的60%。根據經濟部2018年「中小企業白皮書」統計,2017年,台灣經營年齡在20年以上的中小企業家數高達37.3萬家,占整體中小企業的26%,同時中小企業雇主年齡在50歲以上的比率已達53%,60歲以上的比率亦達17%,顯示台灣中小企業經營傳承的問題已逐步浮現。

貳、 當前台灣家族企業傳承面臨的難題

根據自由時報的報導,台灣家族企業傳承面臨6大挑戰,第一,企業經營者未及早規劃傳承;第二,繼任者沒意願接班;第三,中小企業缺乏企業傳承所需知識;第四,少子化及人口老齡化對產業造成影響;第五,經濟環境、供應鏈、產業鏈、技術快速變遷;第六,全球外部經濟、財稅法令快速更新;第七,地緣政治變化,例如貿易戰、香港反送中、武漢肺炎等。

由此可知,臺灣家族企業普遍面臨轉型與傳承的雙重挑戰,二者宜綜合規劃以達事半功倍之效。

參、 家族企業傳承的可行作法與工具

想要有效展開家族企業轉型與傳承大業,建議可以掌握下列作法:

一、 定期舉辦家族非正式的軟性聚會,促進接班人的使命感及家族成員的凝聚力。以德國默克家族為例,每隔半年就聚集所有的家族成員,為其講述企業創立的過程、家族歷史與家族憲法,讓成員們瞭解家族核心價值並相互交流。作法上,可以把家族企業的起源與過程結合成故事,利用紀錄片、傳記或展覽等方式呈現,讓後代感受到家族的淵源,無形中增加情感上的凝聚力。

二、 透過傳承工具,達成傳承目標

家族企業的良好發展,會引導企業的資產、人脈及社會資源在家族及企業二者間不斷的投入與循環,因此當家族企業及家族人數規模發展到一定程度時,隨著管理難度上升,必須仰賴正式的剛性治理制度來管理並提升企業資本的運作效能,俾使家族富過四代。一般使用下列工具,來完善家族傳承及企業治理,包括:

(一) 明定並落實家族憲法:

家族憲法的基本內容包括家族宗旨(核心目標、治理精神以及治理對象)、家族組織(家族股東會或家族董事會)、家族成員僱用、家族企業任職利益迴避與報酬、繼承人培養與選擇、家族企業盈餘分配原則以及家族憲法的實施與修訂等。

(二) 設立傳統控股公司

優點是可以集中股權,用控股公司間接持有家族企業股權,可多一道防線;缺點是股份可任意處分,導致外部股東介入;代際繼承,股東越來越多或意見不同時,易有爭產紛爭。例如2019年2月19日自由時報的報導:台灣五大家族之一的高雄C家爆發爭產內鬥!C君娶妻五房,家族在高雄擁有精華區土地10多萬坪,市值估近千億,C君也成立A家族控股公司管理土地,最大股東為「C君文教基金會」持股20%,剩下股份則由其他五房10位子女均分。據稱,A家族控股公司從不會對外公開將出售哪塊土地,家訓則是「只租不賣」。報導稱,「C君文教基金會」長期由三房的第7子當權,引起其他兄弟姊妹不滿,家族成員想賣都沒辦法,因此引進外資,想壓過三房的股權。C君大房、二房、四房以及第五房和其他等人把家族控股公司58%股權全賣出給外資,C家只剩三房成員和C君文教基金會的42%股權。外資入主後不斷賣地,買家包含多間知名建商,從2013年以來,家族控股公司已賣出超過4.5萬坪土地,入帳逾221億元,但由於已把股權釋出,因此這些賣地的錢,除了三房,其他C家成員一毛也拿不到。

(三) 設置閉鎖性公司:

公司法閉鎖性股份有限公司專節,提供企業股權規劃的各種彈性,可用於家族傳承,穩固家族企業所有權。除了股份轉讓限制應於章程載明外,家族企業盈餘分配得以多元化、得發行多元屬性特別股(例如:複數表決權股、對特定事項否決權的黃金股、保障當選董事席次、限制或禁止當選董事監察人、轉讓限制等內容的特別股)外,有關家族股東共同行使表決權部分,非公開發行公司得以書面契約約定共同行使股東表決權,也可成立股東表決權信託契約,以此匯聚相同理念的家族股東,達到所需要的表決權數。以往家族傳承很難將「管理權」與「現金流量分配權」分別處理的問題,公司法2018年修正後已提供很好的家族傳承工具來處理這個議題。

(四) 以閉鎖性公司結合家族信託:

家族糾紛通常來自內部而非外部。僅有閉鎖公司並非萬能,為達永續傳承及經營,在現行法律架構下,以閉鎖性股份有限公司結合信託之模式易於與我國現行相關制度接軌。以家族財產設立閉鎖性股份有限公司,再以閉鎖性股份有限公司為委託人及受益人,設立自益信託管理家族財產之家族信託架構,除可防止閉鎖性股份有限公司資產被不當侵占外,並可監督閉鎖性公司董事會之指示合法性及程序正當性,達到維持家族企業子公司正常營運的目的。

(五) 從事提升家族形象的慈善事業:

1. 設立公益信託:

優點是可租稅減免,而且可以提升企業形象,且無董事之間有三親等關係,不得超過1/3的限制;缺點包括:要揭露財報,隱密性低;須考慮「少公益真避稅」的質疑;且無法分配盈餘。據悉法務部及財政部將修改「信託法」,監督力道將加重。依照法務部102年1月23日法律字第10100650340號函意旨,公益信託之目的在促進社會公益,故公益信託所從事之投資活動(即受託人因取得信託財產之管理或處分權限而積極管理處分及運用信託財產),應與其信託設立目的相符且不得損及原所欲達成之公益目的。中華民國信託業商業同業公會鑒於國內某大型企業所設立的公益信託慈善支出占信託資產比例偏低之例,為加強公益信託之正當性、合目的性,提升社會大眾對於公益信託之信賴,該公會爰依金融監督管理委員會中華民國107年10月11日金管銀票字第10702737991號函指示,根據實務運作情形,參酌現行各目的事業主管機關對於公益信託管理及監督之修法方向與意旨,於108年4月17日擬定「中華民國信託業商業同業公會會員辦理公益信託實務準則」,其中若干條文規定,一般預料公益信託納入家族企業傳承之作法或將受影響。包括第10條第1項規定「會員於執行公益信託時應注意以下事項,必要時於公益信託契約中就以下事項為約定:一、公益信託之信託資產總額未達新臺幣3,000萬元者,其依信託本旨所為之年度公益支出金額,除信託成立當年度外,應不低於該年度之公益信託行政管理費。二、公益信託之信託資產總額達新臺幣3,000萬元(含)以上者,依信託本旨所為之年度公益支出,除信託成立當年度外,原則上應不低於前一年底信託資產總額之1%。」;第13條規定「有以下情事之一者,會員應主動通知目的事業主管機關:一、公益信託有違反設立許可條件或監督命令者。二、公益信託無正當理由連續三年不為活動或不為合乎公益信託契約約定之活動者。」

2. 成立財團法人基金會

優點是符合法定要件可免稅,而且可以提升企業形象。唯目前社會監督力道逐漸加強,而且有下列限制,包括:董事間有配偶及三親等關係者,不得超過1/3;無法分配盈餘;財政部將修改基金會免稅計算辦法,租稅優惠可能縮水。

(六) 設置家族辦公室:

根據國際家族辦公室協會(International Family Office Association IFOA)的定義,家族辦公室是專為超高資產人士與家庭服務的中立機構,主要從家族成員的需求與利益出發,提供包括行政管理、稽核督察、稅務、慈善事業、家族價值與教育、家族企業治理、生活目標實踐、投資事務等服務,致力於協助企業跨代傳承財富與價值。

肆、 家族傳承經典案例—李錦記家族章程

一、 家族簡介:曾獲頒「Coutts銀行2013年香港家族企業典範大獎—家族管治」,李錦記家族係由李錦裳於1888年創辦,當初以蠔油起家時,沒多久就聲名遠播。不過1902年蠔油庄失火,李家積蓄付之一炬,李錦裳之後去澳門經營,1932年才將公司總部遷回香港。李文達是李錦記的第3代接班人,1954年到香港正式加入李錦記,並經歷兩次分家後,李文達舉債買下弟弟李文樂的股權,在1972年全面掌握公司。李錦記擁有130年歷史,集團主席李文達2019年成為香港前50大富豪並以171億美元身價躍居第3名。2019年營業額合計超過3,000億台幣,一年利潤至少900到1,300億新台幣,產品銷往全球80多個國家及地區,李錦記蠔油在美國市佔率88%,在日本的市佔率排第二位。產品由原先的兩種增至現時的200多種,包括蠔油、豉油、XO醬、方便醬料、辣椒醬、烹調用料及蘸料等。

二、 李錦記家族傳承與企業傳承分工:

(一) 李錦記家族經歷兩次分家的慘痛經歷後,家族傳承架構在「家族至上」理念之下,成立了「家族委員會」,是整個家族的最高權力機構,全力推進家族的長久和睦和長久發展。
(二) 李錦記家族委員會(家族董事會)只負責家族事務的處理;公司董事會則討論與企業營運相關的重要戰略決策,二者各司其職。
(三) 公司董事會中的家族董事,由家族委員會(即控股公司的家族董事會)任命,以保證公司董事會能夠在考慮家族整體利益的情況下,獨立做出決策。
(四) 公司只是家族的一部分,沒有家族的和諧永續發展,家族企業的長久發展就無從談起。

三、 李錦記家族憲法:

(一) 家庭核心價值:包括(1)先有家,再有企業,企業要保持長青,一定要「思利及人」和「永遠創業」的精神。(2)若以企業為核心,家族一旦出現問題,經營會受到波及。但如以家族為核心,即使經營暫時出現波動,只要一家人和睦,企業就會屹立不倒。(3)我們大於我、家族大於家庭。

(二) 家族控股:具有血緣關係的家族成員,才能持有公司股份;股東只要退出,股份由公司統一購回、下一代無論男女,只要具有血緣關係,就具有股份繼承權;由於婚姻進入李氏家族的成員,不能享有股份。

(三) 董事會:董事會成員由家族委員會選擇對業務有興趣的家族精英出任,董事會一定要有非家族人士擔任獨立董事;醬料和保健品兩大核心業務的主席必須是家族成員,家族委員會每兩年召開一次會議,選定董事會及各個業務的主席,主席可以連任。集團董事長必須是家族成員,CEO可以外聘。

(四) 接班人培養:對於是否接手家族生意,下一代擁有自主選擇權。後代要進入家族企業,必須要符合三個條件:第一,至少要到大學畢業,之後至少要在外部公司工作3至5年;第二,應聘程序和入職後的考核必須和非家族成員相同,必須從基層做起,如果無法勝任工作,可以給一次機會,若仍舊沒有起色,一樣要被炒魷魚;如果下一代在外打拼有所成就,李錦記需要時可將其「挖」回。

(五) 家庭內部規範:1、不要晚結婚;2、不准離婚;3、不准有婚外情。違反後兩條將自動退出董事會,僅保留股份,在家族委員會和企業決策中,也將不再享有發言權和決策權。

(六) 家族憲法修改和決議執行:憲法內容的製定和修改,必須經過家族委員會75%以上通過;一般家族事務的決議超過51%就算通過。每次確定新的憲法準則後,第四代家族成員都要在該準則上簽名,並把這些訊息傳達給第五代。

(七) 李錦記家族傳承架構圖示:

20210506

伍、 家族後代能力養成的可行步驟

根據調查顯示,家族企業傳承與接班過程中的挑戰,創一代受訪者認為是:外在經濟環境的挑戰(36%),接班人的接班意願(36%),創業精神與持續創新的能力(32%),接班人的接班能力(28%);而二代受訪者認為接班的主要挑戰來自於:一人決策(父權式)的管理模式(49%),家族成員間互相衝突,難溝通出一致的想法(個性/目標/價值觀等)(34%),外在經濟環境的挑戰(32%),企業目前的經營狀況不易傳承(32%)。二者的調查結果呈現頗大的歧異,由此可以歸納出,接班人能力的養成及有效溝通是傳承接班中極大的挑戰。一般而言,家族後代能力養成的可行步驟,包括:

一、 家族事業基層實習:從小學到大學階段,安排後代到家族企業的工廠、店面、辦公室走動、參觀或實習,讓他有機會熟悉工廠的環境、聲音及味道,除了了解父輩創業的辛苦過程,也藉著實習參與了一部分企業運作的模式,有助建立後代接班的第一步。

二、 海外(名校)教育:海外教育除了可以擴展二代的國際視野外,學校的老師、同學及校友也都是家族後代高素質人脈的來源,將來亦有可能成為家族企業多元發展的上下游供應商或客戶,甚至於是策略聯盟夥伴。

三、 外面的產業龍頭或頂尖專業機構歷練:易子而教,二代大學畢業後,先在龍頭大企業所提供的優質平台練功夫,見多識廣能力養成後,再以習得的格局及能力來參與傳承並帶領家族企業升級轉型。

四、 實戰練兵:

(一) 自行創業:

創一代與二代充分溝通後,尊重二代的興趣及志向,給二代一筆定額資金,讓二代自行創業,並約定好1、資金就這麼多,不能多要;2、創業成功最好,若創業失敗,則乖乖回家族企業接班。創業有助二代發揮能力建立自己的團隊。資源有限有利其做最有效果的使用,創業成功,除了建立二代的領導權威江湖地位外,也同時創造了家族企業多角化經營的枝幹;將來有回到家族企業接班之必要時,老臣及經理人也都服氣,有利順利傳承。若創業失敗,也只是損失掉定額資金而已,相較於在能力未具備情況下,率然接班,可能造成家族事業崩塌瓦解而言,財務風險相對有所限縮。再者,創業失敗雖沒有得到利潤,也是學到功課,此外,二代依照先前與創一代的約定,心甘情願地回到家族企業接班,創一代再依「學、幫、看、帶、放」的養成計畫逐步培訓,也能實現接班的願望。

(二) 家族企業內部歷練:

若家族企業多角化經營,擁有不同產業,可以撥一個二代有興趣的產業,讓二代練兵發揮,營運屢創佳績,威望自然隨之建立。
如果家族企業並沒有跨業多角化經營,假設創一代專精製造,二代對業務、數位行銷有興趣或具備數位轉型能力情況下,可以讓二代在業務行銷部門發揮,建立戰功及領導權威後,再換部門歷練,逐步養成全方位能力。

陸、 創一代放權也放手是智慧傳承的最重要一步

接班人的培養需要時間,無法一蹴可及。一般來說,成熟的接班人至少需要八年的歷練:學兩年、幫兩年、帶兩年、看兩年。也就是說,上一代要先讓接班人進入公司裡學習兩年;待對方晉身為主管後,從旁協助兩年;接著,提拔接班人成為副總或特別助理,帶著對方處理事務;兩年後,接班人當上總經理,上一代以董事長與教練的角色,觀察對方兩年。最後,等到接班人上手了,就能正式交接,放手讓對方真正接管公司。

然而,在真正接班時,由於二代之間對「風險的認知」不同,導致對事業上的想法存有差異,創一代往往很難放手,二代想往前衝,總認為一代的決定是保守的。這時,比較好的做法可能是:1、家族間應建立一套溝通機制,包括創造正式溝通的場域,讓家族人的溝通是用程序來主導,而不是以情緒在對話;建立衝突解決機制,讓家族成員間練習對話、作決策,由一代從旁觀察,並輔導雙方作出結論,讓過程可以內化為家族成員未來溝通的行為模式。2、創一代運用風險管理的概念,在一定的範圍內容忍對方失敗,讓接班人從失敗中成長。總之,創一代放權也放手是智慧傳承的最重要一步。

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