财富的创造与管理机制解析

The Mechanism Analysis of Wealth Creation and Management

财富的代际传承是一个古已有之的世界性难题,改革开放到现在正好一代人的时间,"富不过三代"困局在当今中国尤为突出。造成这一现象的主要原因是对于财富概念的片面理解,将财富静态地等同于"有钱""市值"和"物质"等。其实财富是一个动态过程,在循环流转中不断带来收入,在此过程中表现出增值性、稀缺性和流动性三个相互关联的特性。决定财富继承与创造的不是物质多少,而是企业家的创新精神,具体包括技术创新、需求创新和融资创新,这才是破解"富不过三代"困境的关键。

The intergenerational succession of wealth is a world - wide historical problem. The dilemma of ＂decline within three generations＂ can be observed in China after reform and opening - up. The main reason causing this dilemma is the one - sided understanding of the concept of wealth. The weahh is statically equivalent to ＂money＂, ＂value＂ and ＂substance＂. In fact, it is a dynamic process and brings constant revenue in circulation, showing three interrelated characteristics during this process, val- ue, which is scarcity and mobility. Therefore, the weahh inheritance and creation do not lie in money, but in the innovative spirit of entrepreneurs, including technology, demand and financial innovation. This is the key to solve the dilemma.