Qualified individual investor (QII) refers to an individual who has certain investment experience and risk tolerance, can independently and rationally judge the investment value and risk, and bear the corresponding investment risks. In China's investment market, it is very important to identify investors in order to protect their interests. The following are the criteria for identifying individual qualified investors.
1. The net value of personal property is not less than 6,543,800 yuan. Investors must have a certain property foundation in order to bear the corresponding investment risks. Therefore, according to the regulations, the net value of personal property is not less than 6,543,800 yuan, which is the most basic standard for identifying individual qualified investors.
Second, personal financial assets are not less than 3 million yuan. Personal financial assets include the total value of bank deposits, stocks, funds, bonds, securities, futures, foreign exchange and other financial products. Because these products have high investment threshold and high risks, the corresponding holdings should also reach a certain standard.
Third, individuals have more than two years trading experience in securities, futures, funds and other financial products. This standard is to ensure that investors have certain investment experience and risk tolerance, can independently and rationally judge the value and risk of investment, and bear the corresponding investment risks.
Fourth, individuals have served as senior managers, professional technicians or engaged in financial business for more than three years in financial institutions such as financial institutions, securities companies, insurance companies, trust companies, fund companies, private fund managers, law firms and accounting firms. This standard mainly takes into account that these people have relatively professional financial knowledge and experience and can make investment decisions independently.
Finally, it is worth noting that investors need to be identified by financial services institutions such as securities companies, fund managers and private fund managers, and filed with the CSRC. Only after strict certification by these institutions can they be recognized as individual qualified investors.
In short, the criteria for identifying individual qualified investors mainly include personal net assets, personal financial assets, investment experience and professional background. The purpose is to ensure that investors have certain investment experience and risk tolerance, and can make investment decisions independently and rationally, thus protecting the interests of investors.