1. how individuals apply for qdii business (funds) requires personal funds. QDII is the acronym of Qualified Domestic Institutional Investor. It is a securities investment fund established in a country and approved by the relevant departments of that country to engage in securities business such as stocks and bonds in overseas securities markets. Like QFII, it is also a transitional institutional arrangement that allows domestic investors to invest in overseas securities markets to a limited extent when the currency is not fully convertible and the capital account is not yet open.

2. The investment threshold is lower than that of QDII in banking department

For many investors, the greatest significance of QDII is to open an effective channel for investing in overseas markets, thus adding a new channel for effectively diversifying investment risks in the A-share market. Previously launched QDII products for banks can only invest in fixed-income products, and most of them choose strategies linked to exchange rates, structured bills and indexes, which have low risk, but low yield, and are obviously not attractive to investors in the context of RMB appreciation. Compared with QDII in banking department, will QDII in fund department be attractive?

Different from the high threshold that the minimum subscription amount of QDII products of banks ranges from 5,, 1, to 3,, the investment threshold of fund QDII is much lower. For example, the minimum subscription amount of QDII products of Southern and Huaxia funds is only 1 yuan RMB, which is more convenient for ordinary investors to participate.

the investment scope of fund QDII is also wider. The China Banking Regulatory Commission stipulated that the capital invested in the stock market should not exceed 5% of the net assets of wealth management products, which diluted the possible yield of QDII products of banks. Fund QDII products do not have this restriction, and theoretically, the proportion of investment in the stock market can reach 1%.