编者按：亚洲富豪家族正面临一场静悄悄的财富保卫战。近日，瑞士私人银行Lombard Odier发布的一项调查揭示了一个令人震惊的现实：尽管超六成亚洲高净值人士将“跨代传承财富”视为首要目标，但真正制定完整继承计划的家庭却不足三分之一。这种“意愿与行动之间的鸿沟”正在成为财富传承的头号隐患。随着全球首次创业者大规模进入代际交接期，缺乏规划将导致巨额财富在代际转移中悄然蒸发。文化禁忌、沟通障碍和认知滞后，正让无数家族陷入“富不过三代”的魔咒。以下为调查原文编译，一起来看亚洲富豪家族的财富焦虑与现实困境。

Asia’s wealthy families want to preserve their fortunes across generations, but many still lack basic succession plans, according to a new Lombard Odier survey.

瑞银旗下Lombard Odier最新调查显示，亚洲富豪家族渴望将财富代代相传，但多数人仍缺乏基本继承计划。

The survey of more than 390 high-net-worth individuals across Asia-Pacific with net investable assets of at least $1 million found that 64.2% of respondents said preserving family wealth across generations was their main priority when considering wealth transfer.

这项对亚太地区逾390名可投资净资产至少100万美元的高净值人士的调查发现，64.2%的受访者表示，在考虑财富转移时，跨代保全家族财富是首要目标。

Yet only 26.9% said their family had a full succession plan in place, while 39.4% said they had no succession planning at all. 

然而，仅26.9%的人表示家族已制定完整的继承计划，39.4%的人坦言完全没有相关规划。

The findings expose what the Swiss private bank described as an “intention-implementation gap” among Asia’s wealthy families, many of whom remain underprepared despite growing awareness of succession risks. 

这暴露出这家瑞士私人银行所称的亚洲富豪家族“意愿与实施之间的鸿沟”——尽管对继承风险的认知度不断提升，但多数人仍未做好准备。

The issue is becoming increasingly urgent as Asia and the rest of the world undergo a massive intergenerational wealth transfer, particularly among first-generation entrepreneurs preparing to pass businesses and fortunes to their children. 

随着亚洲乃至全球正经历大规模代际财富转移（尤其是准备将企业和财富传给子女的第一代企业家），这一问题正变得愈发紧迫。

John Woods, Lombard Odier’s Asia chief investment officer, warned that many families risk squandering wealth without stronger governance and planning frameworks.

Lombard Odier亚洲首席投资官John Woods警告称，若缺乏更完善的治理和规划框架，许多家族恐将挥霍财富。

“This sort of concern around this contradiction is worrisome to me,” Woods said during a roundtable accompanying the report launch.

“这种矛盾现象让我深感忧虑，”Woods在报告发布配套圆桌会议上表示。

“If [majority] of the clients we surveyed haven’t really given a major thought to wealth planning, they won’t hold on to their wealth very long,” he added.

“如果我们调查的大多数客户对财富规划缺乏深入思考，他们很难长久守住财富，”他补充道。

Across Asia-Pacific, Japan, the Philippines, Malaysia and Hong Kong stood out for weak succession preparedness. About half of the respondents in those markets said they had no succession plan or felt such planning was not relevant to them.

在亚太地区，日本、菲律宾、马来西亚和中国香港的继承准备尤为薄弱，约半数受访者表示没有继承计划或认为此类规划与自己无关。

The survey also found that many older family members have yet to meaningfully involve younger generations in governance and wealth discussions. More than a quarter of Baby Boomers surveyed said their families had not discussed having a clear common purpose for wealth. 

调查还发现，许多年长家庭成员尚未真正让年轻一代参与治理和财富讨论。超过四分之一的婴儿潮世代受访者表示，家族从未就财富的明确共同目标展开讨论。

Louisa Loo, Lombard Odier’s head of wealth planning for Asia, said many wealthy Asian families continue to delay succession discussions because of cultural sensitivities and a lack of urgency. 

Lombard Odier亚洲财富规划主管Louisa Loo指出，受文化敏感性和缺乏紧迫感影响，许多亚洲富豪家族仍在拖延继承事宜的讨论。

Communication remains a major hurdle, particularly in Asia, where discussions around inheritance and wealth transfer are often considered taboo. Nearly 29% of respondents identified a lack of open communication as a key governance challenge. 

沟通仍是主要障碍，尤其是在亚洲，围绕遗产和财富转移的讨论常被视为禁忌。近29%的受访者将缺乏开放沟通列为治理层面的关键挑战。

“When something unexpected happens, which often does, many families will be completely unprepared,” she said.

“当意外发生时——而这又是常态——许多家族将完全措手不及，”她表示。