文 / 张向东 中国 "家族成员参与管理"的家族企业数量，超过了 5100 万家，占全部民营企业的 90% 以上。 如果以 "家族成员担任董事长或总经理"为标准，家族企业占比达 85% 以上，总数超过了 4800 万 家。 从创业到守业，企业家该如何保卫财富安全？在穿透式监管下，企业家如何建立 "业"与"家"之间的 防火墙？家族传承，"传权"和"传利"该如何平衡？绝对控股的实控人为什么不能把上市公司当成"自 己的公司"？ 2025 年 10 月 30 日，北京大学光华管理学院《研究简报》第 335 期发布了上述数据。这份简报 的标题为《民营企业代际传承高峰期可能引发的经济社会风险及对策建议》。 《研究简报》指出， 中国民营企业面临大规模代际传承。未来 30 年，中国将有 84 万亿民营财富 移交下一代。 《研究简报》援引全国工商联调研及波士顿咨询公司数据称，中国百强家族企业创始人 2025 年平 均年龄已达 66 岁，其中 26% 年龄在 70 岁以上。截至 2025 年 1 月， A 股上市公司 5338 位 在职董事长中， 2622 位年龄在 50~59 岁（占比 49% ）， 1429 人年龄在 60~ ...

Group 1 - The event aims to attract talent to Hainan during the Spring Festival, with a focus on employment and entrepreneurship opportunities [1] - The theme of the event is "Gathering Talents from All Directions, Building a Free Trade Port Together," targeting talent needs post-closure operations [1] - Over 200 organizations, including state-owned enterprises, private companies, and foreign enterprises, will participate, offering more than 10,000 job positions across various industries [1] Group 2 - The event will feature seven service areas to provide comprehensive support for job seekers, including policy interpretation and application guidance [1] - A results display area will showcase achievements from recent entrepreneurial competitions and skill events, highlighting the effectiveness of talent retention and employment support in the free trade port [2] - An online recruitment section will be available for job seekers to access job opportunities through the Hainan Public Recruitment Network, facilitating both online and on-site job searching [2]

今年是"十五五"开局之年。政府工作报告在部署今年工作时提出，"大力发展县域经济、民营经 济、开放型经济、数字经济""推动经济实现质的有效提升和量的合理增长"。 出席今年省两会的代表和委员在审议讨论政府工作报告时，结合各自领域和工作实际，就狠抓项目 建设、加快产业升级、激发民营经济活力、优化营商环境、扩大对外开放、壮大县域经济等话题建言献 策。 代表、委员表示，要坚持项目为王、产业为基，以更大力度深化改革开放创新，持续优化营商环 境，充分激发各类经营主体活力，为谱写陕西新篇、争做西部示范注入强劲动能。 抓项目强产业 "133万亩茶园，1965家经营主体，稳居全省茶产业三项指标第一，汉中已成为西北地区最大茶叶生 产加工基地和集散中心。"省人大代表、陕西省茶文化研究会会长张为国细数汉中茶产业发展成果。 2025年，汉中茶产业以科技创新为加速器，龙头企业与高校产学研合作打造茶多酚生产线、开发功 能食品，物联网、大数据技术让茶园实现智能化管理，规模化、标准化茶园占比超65%，茶产业走出现 代化升级之路，成为乡村特色产业发展的典范，为城乡融合发展筑牢产业支撑。 优化营商环境 充分激发经营主体活力 民营企业是现代化产业体系 ...

同时，鼓励金融机构依托升级后的平台开发新型信用贷款产品，针对数据完备、信用良好的民营企业， 探索建立线上快速审批通道，提升融资效率。优化政府性融资担保体系和风险补偿资金池的作用，为信 用贷款提供风险缓释，打消金融机构放贷顾虑。此外，还应完善配套考核与容错机制，对符合条件的民 营企业贷款不良率执行更具弹性的容忍度标准，让基层信贷人员敢于放贷、愿意放贷。 "市场经营难免有偶发失误，让整改到位的企业顺利回归市场，是优化营商环境的重要体现。"熊伟提 出，在全省行政执法部门推广行政处罚与信用修复"同步告知"制度，送达《行政处罚决定书》时，同步 发放《信用修复告知书》，清晰告知失信信息公示平台、最短公示期、修复条件及办理路径，让企业从 源头明晰修复流程。 受访者供图 熊伟在接受采访时表示："民营经济是广东经济韧性的重要支撑，近年来我省持续优化营商环境，但部 分民营企业尤其是中小微企业，仍受困于信用评价与修复的相关难题，影响了融资效率和发展动能。" 在熊伟看来，破解难题的关键在于构建更具包容性、便捷性的信用体系，既为金融机构提供全面精准的 风险判断依据，也为民营企业搭建高效的信用提升通道。为此，他建议聚焦"增信"与"修复" ...

y The Property of 政银企韵手发力 十五五良好开局 普惠金融深度对接座谈会 . D 下一步，市工商联将立足"桥梁纽带"职能，常态化收集企业融资需求，分类梳理形成"需求清单"，联合金融部门、银行机构开展精准匹配。同时，聚焦产 业链供应链核心企业，推动银行创新专属金融产品，切实打通金融服务实体经济的"最后一公里"。 活动现场，企业代表和银行工作人员面对面交流、点对点对接。企业代表详细介绍了自身发展规划、融资需求及经营过程中遇到的资金难题；银行工作人 员则结合企业实际，精准推介普惠金融产品、信贷扶持政策及个性化融资方案，双方就合作细节深入洽谈，现场气氛热烈，达成多项初步合作意向。 近日，市工商联会同市金融服务中心连续组织召开政银企对接交流活动。累计30余家企业、10余家银行参加活动，初步达成贷款意向7000万元，持续助力 民营企业收获发展动能。 ...

Group 1 - The People's Bank of China announced a structural interest rate cut of 0.25 percentage points on various monetary policy tools and will enhance these tools [1][6] - Specific measures include increasing the quotas for agricultural and small enterprise loans, expanding support for technological innovation and green projects, and promoting real estate market destocking [1][6][8] Group 2 - There is still room for further cuts in reserve requirements and interest rates, with the current average reserve requirement ratio at 6.3% [2][6] - The stability of the RMB exchange rate and the ongoing easing cycle of the USD provide a favorable environment for potential rate cuts [2][6] Group 3 - The policy shift emphasizes the importance of effective transmission of monetary policy and structural optimization rather than merely increasing the scale of monetary expansion [3][7] - The focus industries for the policy adjustments include technology innovation, consumption and elderly care, green low-carbon projects, and support for small and private enterprises [3][8] Group 4 - The recent liquidity improvements and foreign capital inflows may support a bullish trend in stock indices, particularly in sectors like technology and green projects [4][8] - The 10-year government bond yield has stabilized between 1.8% and 1.9%, indicating a potential adjustment to a key position, with expectations of a flat yield curve in the medium term [5][9]

聚焦"清廉合规"，促进风险防控体系化、长效化。将法治体检与清廉合规改革试点相结合，以技术手段 助力企业构建"制度+流程+文化"三位一体的合规内控体系。AI工具不仅协助企业实时排查虚开发票、 违规列支、合同陷阱等具体风险，更通过"自查—整改—复检"的数字化闭环管理，推动廉洁理念与合规 要求融入企业经营全流程。这一做法强化了风险源头管控，有助于增强企业依法经营、诚信自律的自觉 性，促进外部监管要求内化为企业治理行动。 立足"基层实践"，注重服务响应有温度、接地气。作为直接服务企业的基层单元，宜昌市工商联始终关 注服务的实用性与企业实际感受。活动开展以来，已覆盖全市80余家工商联执委企业和直属商会会员企 业，企业普遍反映AI法治体检具有"高效、精准、实用"的特点。通过线下专业辅导，将检测数据转化为 企业可理解、可操作的整改方案，切实推动了技术落地。有企业负责人表示："这不仅是一次风险排 查，更像是为企业安装了一套敏锐的'数字神经系统'。" 下一步，宜昌市工商联将持续优化服务机制，推动合规检测常态化、长效化，努力将"技术+制度"的创 新模式固化为服务民营经济高质量发展的"标准配置"，以智慧方案筑牢民营企业法治根基，以 ...

支持民企更好承担社会责任，应坚持赋能与激励并重。 担当社会责任，是企业实现经济价值与社会价值统一的必然路径，也是企业家精神的应有之义。全国工 商联近日发布《中国民营企业社会责任报告（2025）》，展现了民营企业在科技创新、稳岗就业、乡村 振兴、公益慈善等领域的积极作为。进入新时代，企业社会责任的内涵更加丰富，融入了推进共同富 裕、实现高水平科技自立自强、发展新质生产力等重大战略任务，应更大力度支持企业更好承担社会责 任。 从外部环境看，清晰的政策指引、迫切的社会需求与积极的舆论氛围，共同推动民营企业主动扛起社会 责任：国家战略方面为企业履行社会责任提供了"坐标系"，"双碳"目标等重大部署成为企业践行责任的 平台；社会对企业的期待从单一的经济贡献转向综合的价值创造，更青睐有社会责任感的品牌；支持、 尊重民营企业的舆论环境则为企业展现责任担当创造了良好空间。 从企业自身看，更深刻的驱动力来自于认知升级与战略转型。企业如何将技术、市场、管理等商业智慧 和能力，真正应用于解决经济、社会问题，关乎企业的竞争能力。越来越多的民营企业认识到，社会责 任不是企业背负的成本，而是面向未来的投资。因此，许多企业在绿色发展、促进创 ...

Core Insights - Fujian Province's economy has shown steady progress this year, with GDP growth rates of 5.7% in Q1, 5.7% in Q2, and 5.2% in Q3 [1][2] - The province has completed investments of 676.7 billion yuan in 1,550 key projects from January to November, exceeding the planned schedule [1] - Significant developments in transportation and energy sectors include the completion of the F1 line of the Fuzhou to Changle Airport intercity railway and the first phase of Fuzhou Metro Line 4 [1] Economic Performance - The overall economic operation in Fujian is stable, with efforts focused on stabilizing employment, enterprises, markets, and expectations [1] - Consumer spending has been effectively boosted, with over 7.44 million consumers benefiting from the appliance and home decoration subsidy programs, leading to sales exceeding 77.1 billion yuan [1] Investment and Reforms - Fujian is enhancing its development vitality through reforms and opening up, with the approval of the comprehensive reform pilot for market-oriented allocation of factors in Fuzhou, Xiamen, and Quanzhou [2] - The province has implemented the New Era Private Economy Strong Province Strategy, resulting in a 5.5% increase in the added value of the private economy, surpassing the provincial average [2] Infrastructure and Connectivity - The "Silk Road Maritime" international cooperation forum and the construction of the "Maritime Silk Road" core area have been successfully held, increasing the number of named routes to 148 [2] - Fujian is actively building a cross-strait integration development demonstration zone, with 206 key projects promoting cross-strait economic integration [2]

Core Viewpoint - The article emphasizes the importance of adhering to and improving the socialist basic economic system in China, highlighting the dual support for both public and non-public ownership as essential for economic development and social equity [1][2][3]. Group 1: Economic System and Ownership - The "two unwavering principles" are rooted in Marxist ownership theory and reflect the understanding of the basic economic system during the primary stage of socialism in China [2]. - Public ownership is recognized as the mainstay of the socialist economy, while non-public ownership plays an irreplaceable role in the long term due to the multi-layered and unbalanced nature of productive forces [2][3]. - The evolution of the understanding of ownership issues has been a continuous process since the reform and opening up, with non-public ownership transitioning from a necessary supplement to an important component of the socialist market economy [3]. Group 2: Strategic Directions and Challenges - The 14th and 15th Five-Year Plans emphasize the need to uphold the "two unwavering principles" to promote the complementary advantages of various ownership forms [4][7]. - Current domestic and international challenges include rising protectionism, economic downward pressure, and the need for deeper reforms in certain sectors [5][6]. - The rapid development of new economic forms, such as the digital economy, poses new challenges to traditional ownership theories and regulatory models [6]. Group 3: Role of State-Owned Enterprises (SOEs) - Strengthening and developing state-owned enterprises is crucial for enhancing their core competitiveness and supporting national strategic goals [8]. - As of the end of 2024, the total assets of state-owned enterprises are projected to reach 401.7 trillion yuan, providing a solid foundation for stabilizing the macro economy [8]. Group 4: Support for Non-Public Economy - Encouraging and supporting the non-public economy is vital for creating a stable, fair, transparent, and predictable development environment [9]. - In 2024, the top 1,000 private enterprises are expected to invest 1.43 trillion yuan in R&D, reflecting a 2.78% increase from the previous year, with a significant rise in patent holdings [9]. Group 5: Future Directions - The adherence to the "two unwavering principles" will be crucial in addressing complex risks and challenges while serving the goals of modernization in China [10]. - There is a need for continuous institutional innovation and effective policy execution to ensure the healthy development of various ownership entities [10].