1. Ownership structure: Don't be a shareholder by yourself, and don't be a shareholder by husband and wife. If there are partners, scientifically set the equity ratio in accordance with the law (and then find a special issue); If it is your own family company, besides being the absolute majority shareholder, the remaining shares will be held by trusted distant relatives, friends and employees.

2. Don't subscribe a large amount of registered capital, even if it is paid in installments, it will be a thunder in the future (many business owners have proved this). It is wise to subscribe for a reasonable amount and pay it in full. If the company develops well in the future, it will gradually increase its capital.

3. Legal representative: There is a measure in the enforcement procedure-restricting high consumption. It is suggested that the legal representative should not take it himself, otherwise the project will fail or there will be foreign debts, and it will be very troublesome for creditors to apply for flight.

4. Dong: Unless the husband and wife jointly fight for the world, try not to let their spouses serve as directors, supervisors and managers in their own enterprises, or even buy social security. If you lose the bet or the debt comes, it's hard to say that your spouse doesn't know and doesn't participate in the company's operation, and it's also untenable. At that time, the couple may be tied together to repay their debts with family assets.

5. Asset allocation: It is recommended to put some assets overseas, including US dollars, real estate, stocks, etc.

6. Insurance: The following points should be noted.

1. Choose life insurance instead of property insurance. The applicant can designate a beneficiary, and the beneficiary has the right to receive insurance money, which does not belong to the applicant's property, so life insurance can play a certain role in property isolation. Business owners should carefully study the contract when purchasing personal insurance, and designate others other than themselves as beneficiaries in writing (otherwise, the isolation effect will not be achieved); According to the logic mentioned above, it is risky to designate a spouse as a beneficiary, and children or the elderly can be designated.

You can transfer the money to your parents first, and then your parents will be the insured. If the insured is the owner of the enterprise, the insured may designate multiple beneficiaries, including children.

3. In order to achieve the effect of isolation, you should buy it as soon as possible, otherwise you will be suspected of malicious evasion when the debt comes.

Strictly speaking, there are many types of insurance, and in practice, the cash value of some insurance may still be enforced by the court, so the isolation effect is limited.