金管局:跨境理財通最快一個月後正式生效 料逾20家香港銀行參與
金管局公布粵港澳大灣區跨境理財通計劃詳情,金管局副總裁劉應彬預期,計劃將最快於一個月後正式生效,多家銀行一直在作事前準備,已有逾20家銀行表明有興趣,預期香港銀行完成系統測試及向監管當局報備後,最快10月至11月可開始提供服務。
他強調,由於計劃牽涉中港澳三地,各地政策不同,將採取屬地管理原則,計劃實施初期只涵蓋少量投資產品,其中南向通投資者可購買存款產品、低中風險非複雜性債券與受認可註冊基金,預期涉及100至200隻基金,將不包括港交所(00388.HK)上市產品;而北向通則可投資受中證監及銀保監規管低中風險公募基金及理財產品。
跨境理財通專戶下的資金實施閉環匯劃和封閉管理,即是資金使用範圍僅限於購買合資格的理財產品,退出投資後資金將原路返回匯款賬戶,跨境匯款幣種為人民幣。他認為,投資者在港兌換資金亦有利於香港鞏固離岸人民幣中心的地位。
劉應彬又指出,大灣區佔全國GDP約12%,家庭資產淨值及儲蓄率高,有龐大財富管理需求,目前內地市場主要以人民幣產品為主,因此相信跨境理財通可滿足境內投資者海外資產配置需求,同時為香港金融市場帶來發展機遇。
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