“跨境理财通”细则发布：总额度1500亿，单个投资者额度100万

21世纪经济报道2021-05-06

重磅！“跨境理财通”细则来了：总额度1500亿单个投资者5月6日，广东六家“一行两局”金融监管机构联合发布通知，就《粤港澳大湾区“跨境理财通”业务试点实施细则(征求意见稿)》(简称《细则》)公开征求意见。六家“一行两局”金融监管机构分别是人民银行广州分行、人民银行深圳市中心支行、广东银保监局、深圳银保监局、广东证监局、深圳证监局，根据授权共同开展“跨境理财通”大湾区内地业务试点监管工作。上述...

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精彩评论

韩兵11110
2021-05-10
韩兵11110
港卡还没办呢
浴缸潜水员
2021-05-06
浴缸潜水员
毛线，大湾区。
琴心明月
2021-05-06
琴心明月
👍
DocYin
2021-05-06
DocYin
对我们来说卵用没有！
太阳照样升起
2021-05-06
太阳照样升起
没太大实际意义。。。说出来好听罢了
Teddy先森
2021-05-06
Teddy先森
说说你对这篇新闻的看法...

发表看法

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href=http://m.21jingji.com/article/20210506/herald/fb42459c4cd60b764970e84a81ae668f.html><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>重磅！“跨境理财通”细则来了：总额度1500亿 单个投资者5月6日，广东六家“一行两局”金融监管机构联合发布通知，就《粤港澳大湾区“跨境理财通”业务试点实施细则(征求意见稿)》(简称《细则》)公开征求意见。\n六家“一行两局”金融监管机构分别是人民银行广州分行、人民银行深圳市中心支行、广东银保监局、深圳银保监局、广东证监局、深圳证监局，根据授权共同开展“跨境理财通”大湾区内地业务试点监管工作。\n上述...</p>\n\n<a 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单个投资者5月6日，广东六家“一行两局”金融监管机构联合发布通知，就《粤港澳大湾区“跨境理财通”业务试点实施细则(征求意见稿)》(简称《细则》)公开征求意见。\n六家“一行两局”金融监管机构分别是人民银行广州分行、人民银行深圳市中心支行、广东银保监局、深圳银保监局、广东证监局、深圳证监局，根据授权共同开展“跨境理财通”大湾区内地业务试点监管工作。\n上述六家机构在起草说明中称，粤港澳大湾区经贸往来密切、人员交流频繁，居民个人在区内跨境工作生活非常普遍，对跨境理财存在较大需求。一方面，港澳地区个人希望购买内地银行的理财产品，进一步拓宽到内地投资的渠道；另一方面，内地居民希望购买港澳银行的投资产品，实现个人资产配置多元化。\n“北向通”跨境资金净流入额上限和“南向通”跨境资金净流出额上限均不超过“跨境理财通”业务试点总额度。目前，“跨境理财通”业务试点总额度暂定为1500亿元人民币。另外，“跨境理财通”业务试点对单个投资者实行额度管理，投资额度为100万元。\n值得注意的是，港澳投资者可以购买内地银行非保本净值化理财产品，但现金管理类理财产品除外。\n谁可以投资“跨境理财通”\n对于投资人，《细则》参考合格投资者制度，明确内地投资者应满足的相关准入要求。\n对于“南向通”业务，内地投资者需满足以下条件：(一)具有完全民事行为能力；(二)具有粤港澳大湾区内地9市户籍或在粤港澳大湾区内地9市连续缴纳社保或个人所得税满5年；(三)具有2年以上投资经历，且满足最近3个月家庭金融净资产月末余额不低于100万元人民币，或者最近3个月家庭金融资产月末余额不低于200万元人民币。\n开展“北向通”业务的港澳投资者应符合港澳金融管理部门规定的相关要求。港澳投资者业务资格由港澳合作银行进行核实。\n可以购买哪些投资品\n《细则》明确了投资产品范围。\n其中，“北向通”投资产品范围包括：(一)内地理财公司(包括银行理财子公司和外方控股的合资理财公司)按照理财业务相关管理办法发行，并经发行人和内地代销银行评定为“一级”至“三级”风险的非保本净值化理财产品(现金管理类理财产品除外)；(二)经内地公募基金管理人和内地代销银行评定为“R1”至“R3”风险的公开募集证券投资基金。\n“南向通”业务可购买的投资产品由港澳管理部门规定，详情请参考港澳金融管理部门颁布的细则。\n哪些银行有资格开展业务\n《细则》要求，内地代销银行和内地合作银行应满足以下条件：(一)在粤港澳大湾区内地9市注册法人银行或设立分支机构；(二)具备3年以上开展跨境人民币结算业务的经验；(三)已建立开展“跨境理财通”业务的内控制度、操作规程、账户管理和风险控制措施，确保具备从事“跨境理财通”业务及其风险管理需要的专业人员、业务处理系统、会计核算系统和管理信息系统等人力、物力资源；(四)建立“跨境理财通”投资者权益保护及投诉纠纷解决相关机制；(五)具有资金跨境流动额度控制和确保资金闭环汇划的技术条件，内地代销银行还需具备确保资金封闭管理的技术条件，能确保所代销“北向通”投资产品符合金融管理部门相关要求。无严重违法违规行为和因内部管理问题导致的重大事件，或者相关违法违规及内部管理问题已整改到位并经金融管理部门认可。\n发生纠纷如何解决\n《细则》要求，港澳投资者与内地代销银行发生纠纷争议时，可以通过以下途径解决：(1)与内地代销银行协商和解；(2)请求内地金融消费者、投资者保护等金融纠纷调解组织调解；(3)根据业务环节发生地原则，向内地代销银行所在地有关金融管理部门反映。对于涉及粤港澳大湾区内地城市以外的内地理财公司、公募基金管理人等机构相关业务环节问题的投诉，由大湾区金融管理部门转交产品发行方所在地金融管理部门处理；(4)根据与内地代销银行达成的协议提请仲裁机构仲裁或向有关人民法院提起诉讼。度100万","kind":null,"is_publish_news":false,"is_publish_highlight":false,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":190677161,"gmtCreate":1620620338153,"gmtModify":1620620338153,"author":{"id":"3560254407936233","authorId":"3560254407936233","name":"韩兵11110","avatar":"https://static.tigerbbs.com/36a50babf25a00546c12c1abbd5b1877","vip":1,"crmLevel":1,"crmLevelSwitch":0},"htmlText":"港卡还没办呢","listText":"港卡还没办呢","text":"港卡还没办呢","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/190677161","repostId":1176059196,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":105402557,"gmtCreate":1620314124179,"gmtModify":1620314124179,"author":{"id":"3532132223347993","authorId":"3532132223347993","name":"浴缸潜水员","avatar":"https://static.tigerbbs.com/b4d01d6abe944b89aee8c87b329e931f","vip":1,"crmLevel":2,"crmLevelSwitch":1},"htmlText":"毛线，大湾区。","listText":"毛线，大湾区。","text":"毛线，大湾区。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/105402557","repostId":1176059196,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":105503122,"gmtCreate":1620309666766,"gmtModify":1620309666766,"author":{"id":"3540178508833738","authorId":"3540178508833738","name":"琴心明月","avatar":"https://static.tigerbbs.com/8be11f6998268cdacf558edeba359e9e","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"👍","listText":"👍","text":"👍","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/105503122","repostId":1176059196,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":105210491,"gmtCreate":1620305432213,"gmtModify":1620305432213,"author":{"id":"3548969149461617","authorId":"3548969149461617","name":"DocYin","avatar":"https://static.tigerbbs.com/939b079fa6769d1a330ee9f10156a840","vip":1,"crmLevel":1,"crmLevelSwitch":0},"htmlText":"对我们来说卵用没有！","listText":"对我们来说卵用没有！","text":"对我们来说卵用没有！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/105210491","repostId":1176059196,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":105236288,"gmtCreate":1620305050344,"gmtModify":1634206238415,"author":{"id":"3580113283786354","authorId":"3580113283786354","name":"太阳照样升起","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":1,"crmLevelSwitch":0},"htmlText":"没太大实际意义。。。说出来好听罢了","listText":"没太大实际意义。。。说出来好听罢了","text":"没太大实际意义。。。说出来好听罢了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/105236288","repostId":1176059196,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":105205801,"gmtCreate":1620303721303,"gmtModify":1634206251094,"author":{"id":"3579628515117345","authorId":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