CAJ | 학술논문

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。
재부적대제전승시일개고이유지적세계성난제,개혁개방도현재정호일대인적시간,“부불과삼대”곤국재당금중국우위돌출。조성저일현상적주요원인시대우재부개념적편면리해,장재부정태지등동우“유전”“시치”화“물질”등。기실재부시일개동태과정,재순배류전중불단대래수입,재차과정중표현출증치성、희결성화류동성삼개상호관련적특성。결정재부계승여창조적불시물질다소,이시기업가적창신정신,구체포괄기술창신、수구창신화융자창신,저재시파해“부불과삼대”곤경적관건。
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.