Natural persons in China can invest abroad. The report "RMB Internationalization Report (20 15)" issued by the central bank proposes to open individual cross-border investment channels and consider launching a pilot project of overseas investment by qualified domestic individual investors (QDII2). QDII2 allows individual investors to directly obtain the investment quota, and then decide to invest by themselves, without going through an investment institution.

The QDII system introduced before refers to the mechanism for local investors to make overseas investments in countries (regions) where the capital account is not fully open. Investors can use foreign exchange or RMB to make overseas financial investments such as fixed income and equity through funds established in qualified domestic institutional investor, such as banks and fund management companies, so as to monitor the flow and scale of funds. According to the different issuers, QDII products are divided into two types: banking department and fund department. Banks are rich in QDII, and there are structured wealth management products besides direct investment quasi-fund products.

Different from QDII, individual investors can only invest overseas indirectly through banks and funds. QDII2 allows individual investors to directly obtain the investment quota, and then decide their own investment, without going through investment institutions, and the investment scope and investment quota will be gradually liberalized, which will speed up the flow of funds and promote more active market transactions.

Extended data:

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.

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's Network-Open up individual cross-border investment channels and control overseas investment risks.

Baidu encyclopedia -QDII2