家族辦公室 家族信託之大管家

文章出處：中華民國信託業商業同業公會

在中美貿易戰、香港送中事件及我國政策引導資金回台的助力下，由專業機構或家族企業指派代表管理自家財富、股權及稅務的「家族辦公室」（family office）已在台灣悄然興起，並統籌高資產客戶與金融機構間的財富管理、稅務規劃及信託等。

「家族辦公室」是受委任於高淨值家族，提供一站式財富管理服務，由財務顧問、律師、註冊會計師、投資經理人等組成的專業顧問團隊，發揮專業技能協助處理家族的各項事務，例如投資管理、稅務規劃、慈善捐贈、信託和相關法律事宜，甚至包含處理一些家族成員的私人事宜，例如健康計畫、移民規畫及婚姻信託等，是屬於最高端的財富管理形態。

高淨值家族透過「家族辦公室」管理家族資產，與銀行財富管理業務相較，有三個優點：

  • 一、首先是銀行財富管理業務常會面臨短期的業績壓力，而「家族辦公室」的投資管理則著重於長期的回報，與高淨值家族建立長久而互信的服務關係，一般不會為短期利益而做出有損長期合作的事情
  • 二、其次「家族辦公室」可全面管理高淨值家族的財產，而銀行財富管理業務可能會由多家銀行來為其提供服務，不僅缺乏集中管理，而且每家銀行只能瞭解家族的一個側面，無法根據家族整體的資產配置和流動需求來制定投資方案；
  • 三、最後還有私密性的問題，銀行受到監管要求和人員流動等多種因素的限制，很難真正做到完全保密，而「家族辦公室」人員簡單，甚至多為家族成員，較無保密問題。

信託公會呂蕙容秘書長表示，由目前信託理財之趨勢已由個人理財到家族理財，「家族辦公室」的趨勢已經勢不可擋，以新加坡為例，新加坡經濟發展局2004年推行了「全球商業投資者計畫」（Global Investor Programme, GIP），即鼓勵高淨值家族的外國投資人在新加坡成立家族辦公室，通過審核後即可申請移民，今年（2018）更擴大免稅的涵蓋範圍，並將現行的免稅政策繼續延長到2024年，以爭取更多的高淨值家族將資金帶往新加坡。

呂蕙容秘書長指出，過去金融業所提供之理財服務多是純粹以個人或家庭理財為考量，但對於某些頂級家族客戶來說，考量的範圍不僅僅是投資而已，例如家族企業的經營調度和繼承、家族成員的資產分配、慈善項目的支出和整個家族內部所衍生的各項事務等，都是家族理財所需考量的範圍，這也為信託業者帶來新的服務商機，目前信託公會所規畫的家族信託業務，即鼓勵家族客戶設立「家族辦公室」做為家族信託的總管，輔導家族客戶建置家族治理機制，並就家族財富管理及企業經營等，提供專業的諮詢與建議。 俗語說：「富不過三代」，家族信託與「家族辦公室」的結合，能夠集合多個領域的專業人員為家族提供定制化的服務，是單一的法律顧問、稅務顧問和投資顧問所難以企及的，未來缺乏提供整體解決方案能力的外部單位顯然無法勝任日益龐大的家族財富管理工作，透過家族信託與「家族辦公室」的結合，方能達到第一代創富，第二代守富，第三代傳富，達到家族財富世代承傳的目的。

「家族辦公室」主要服務項目

WinnersFO 觀點：

家族辦公室，由於其全面性一站式服務、在海外服務了各個高資產家族，在台灣，則是剛剛開始。從個人財到家族財富管理，從投資理財到財富永續，從產品選擇到客制化服務，將是一場金融服務(財務、稅法、傳承、投資)的革新，為高資產家族拿走擔心，帶來幸福，實現富過三代十代的永續。

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