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1) »ç¾÷ ÇàÀ§¿¡ ÀÖ´Â ±Þ°ÝÇÑ »ó½ÂÀº µ·ÀÇ Á¦ºñ¿Í ¿©°¡ ½Ã°£ÀÇ Á¦ºñ¸¦ ´ç½Å¿¡ ³²±æÁöµµ ¸ð¸¥´Ù. ¾Æ¸¶ ¾Æ´Õ´Ï´Ù, ±×·¯³ª. ´ç½ÅÀÌ ÇÏÀÌÆÛ ¼ºÀå°ú ÇÏÀÌÆ÷ cashflowÀÇ ±â°£¿¡ ã¾Æ³¾ ´õ ÇÒ °Í °°´Ù. ´çȲÇÏÁö ¸»¶ó. ´ëºÎºÐÀÇ ¼Ò±â¾÷Àº Áß±¹¿¡¼ °í¸£Áö¸øÇÑ °ÉÀ½¿¡ - ƯÈ÷ ¼ºÀåÇÑ´Ù. ´õ ³ôÀº ÆÇ¸Å¿Í ´õ ³ôÀº À¯ÁöµÈ °¡µæ¾× »çÀÌ ¶æ±íÀº ·¡±×¸¦ À§ÇØ ÁغñµÇ½Ê½Ã¿À.
2) ÀÚ»ê ºÎÀÚ - °¡±¸ ¿µ¼¼¹Î. ±â¾÷°¡´Â ±×µéÀÇ »ç¾÷À¸·Î ÀÖ´Â ¸ðµÎ¸¦ µÎ±â¸¦ À§ÇØ ¾Ç¸í ³ô´Ù - Àú°ÍÀº Áß´ëÇÏ´Ù. ±×·¯³ª »ç¾÷ÀÌ ¼ºÀåÇϱ⠶§¹®¿¡ ´ç½ÅÀº ȸ»ç °èÁ¤À¸·ÎºÎÅÍ ´ç½ÅÀÇ ÀÚ½ÅÀÇ Æ÷ƮȦ¸®·Î·Î ¾à°£ ºÎ¸¦ ¿Å±â±â¸¦ À§ÇÑ °èȹÀ» ÇÊ¿ä·Î ÇÒ °ÍÀÌ´Ù.
3) ´ç½ÅÀÇ »ç¾÷Àº ATM°¡ ¾Æ´Ï´Ù. ±Þ¿© ³ÊÀڽŠ¿¹»óÇÒ ¼ö ÀÖ´Â ±Þ·á. Big annual bonuses are fine – as long as you have some sense of how much you are earning. Someone bootstrapping a brand-new business probably doesn¡¯t have a clear idea of how much he will earn in 2008 – but if you¡¯ve been around for a few years and have a steady flow of business, you should be able to give a ballpark estimate of how much you¡¯ll pay yourself.
4) IPOs and M&A grab the headlines, but successful entrepreneurs need a Plan B for cashing out. Leaving ALL your assets in the company can be risky. China business is famous for stories of successful entrepreneurs who ended up running into trouble with partners, bureaucrats, suppliers, key clients – and changes in regulations. Make sure you have a cushion in case the business suffers a major shock.
5) Incremental cash-out options. While living off your expense account is a bad idea, retiring on the company may be a winning strategy. Entrepreneurs and owners should consider setting up in-house pension plans, education funds and health insurance programs that preserve your business¡¯ capital structure but still provide for the owners¡¯ long-term financial health.
For more ideas about incremental business cash-outs, take a look at www.ChinaFinancialPlanning.com.
Andrew Hupert, Chinasolved



































