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截至2006年11月30日,中国银监会已批准了14家中资和外资银行开办代客境外理财业务的资格,市场上共推出14款银行QDII产品,人民币认购额近23亿元,美元认购额近9000万元;首款基金QDII产品——华安国际配置型基金也于今年9月开始发售;由于暂缺保险QDII的管理细则,尚无保险QDII产品发售。本文简单梳理了QDII的发展进程和当前理财市场现状,重点分析了银行QDII理财产品和基金QDII理财产品的产品特征。
As of November 30, 2006, China Banking Regulatory Commission (CBRC) has approved the qualifications of 14 Chinese-funded and foreign-funded banks to provide overseas wealth management services on behalf of clients. A total of 14 bank QDII products were launched on the market. The subscription amount of RMB was nearly 2.3 billion yuan, 90 million yuan; the first fund QDII products - Hua An international configuration funds are also available in September this year; due to the lack of insurance QDII management rules, there is no insurance QDII products for sale. This article briefly reviews the development of QDII and the current status of wealth management market, focusing on analyzing the product characteristics of QDII wealth management products and QDII wealth management products.