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bất kỳ sự kiện đặc biệt trong quá trình cuộc sống của khách hàng . việc thực hiện của cách tiếp cận này hoàn toàn toàn diện là tạo điều kiện thuận lợi bằng việc thông qua một số hoạt động điển hình của kế hoạch tài chính cá nhân. Kể từ những năm bảy mươi, | 3 The Map of Family Business Financial Needs 79 segment require bank intervention on equity and on medium and long term liabilities.Asset management intervention can be significant as long as startup relies on dedicated company architectures23. Firms falling into the development category are distinguished on the basis of their diversified need for lending instruments they may need to establish a correct plan for terms and amounts or to utilize fiscal leverage to reduce the taxable sum total. As for liability planning the firm involved by development may need corporate finance services above all for private equity operations and both financial and insurance risk management services should non-managed risk undermine the physiological and organic process of development. Table 3.7 Bank positioning as to market segmentation based on a two-parameter analysis the firm vision FIRM STATES PRODUCT INDUSTRIES Payment system services Availability of Lending Financial risk management Insurance risk mgt Availabil- Asset management Corporate finance payment and Only me- Availability of ity of in- Availabil- Corporate Start-up cash manage- dium and financial risk surance ity of asset finance ment tools is not long term management risk man- manage- services relevant variable. lending though lending supply is residual compared to that of equity. Supply can be concentrated on subsidized loans. tools is not relevant variable. agement tools can be referred to firm risk insurance if this is important for accomplis hment of start up. Upon corporate charter insurance and social security plans can be considered for directors. ment tools is not relevant variable. Relevant if start up provides for design of corporate complex structures e.g. foreign holding . designed for venture capital pure advisory and strategic advisory. 23 See Cressy R.C. Commitment Lending under Asymmetric Information Theory and Tests on UK Startup Data in Small Business Economics n. 5 1996. 80 Stefano Caselli Table 3.7
