QDII2 is a qualification system for qualified domestic individual investors. Although the detailed implementation rules of QDII2 have yet to be announced, it is certain that QDII2 scheme will specify the investment quota, transaction method, currency settlement method, investors and investment targets. According to informed sources, QDII2 has six pilot cities, namely Shanghai, Tianjin, Chongqing, Wuhan, Shenzhen and Wenzhou. Domestic individuals aged 65,438+08 living in pilot cities can apply for QDII2 as long as the average daily balance of personal financial net assets in the last three months is not less than RMB 654,388+000 million, they have passed the overseas investment and risk ability test, have no major bad records, and have not paid off their debts through judicial judgment.

Eligible individuals only need to hold a valid identity card or residence permit, and their financial net assets are not less than 1 10,000 yuan; After the application for opening an account, the letter of commitment on the legality of overseas investment funds and the letter of commitment on investment risks are approved by the bank, special accounts for overseas direct investment can be opened, including 1 RMB account and 1 foreign exchange account, which are used to handle the receipt, payment, settlement and sale of overseas investment funds. Commercial banks will play a key role in the whole business process. Commercial banks qualified for pilot projects in the future will be responsible for checking whether the financial net assets of individual investors meet the requirements, whether they can pass overseas investment and risk ability tests, and whether the credit records of investors in the credit information system of the People's Bank of China are good. It is worth mentioning that the entry threshold of 6,543,800 yuan is the concept of financial net assets, that is, the difference between investors' assets in all financial institutions and their liabilities in all financial institutions, and investors bear the burden of proof. People involved in the pilot preparation said that investors need to update their net assets records every three months. In addition, the funds transferred by an investor to an overseas direct investment account cannot exceed 50% of its net assets at most, and the funds entered into the account can be freely remitted abroad for investment in financial assets, and the principal can be directly recorded, and the investment income can only be recorded after reviewing the materials.

In the future, QDII2 can invest in three areas: first, overseas financial investment, including stocks, bonds, funds, insurance, foreign exchange and derivatives; Second, overseas industrial investment, including greenfield investment, M&A investment and joint investment. , should be in accordance with the provisions of the relevant competent departments for the record or approval; Third, overseas real estate investment, including buying a house, must be handled after reviewing the supporting materials.