Zhong Guo Ji Jin Bao·2025-08-08 11:49Core Viewpoint - The article highlights the significant growth and opportunities in cross-border wealth management in China, particularly following the implementation of "Cross-Border Wealth Management Connect 2.0" which has seen a substantial increase in investor participation and market engagement [1] Group 1: Market Response and Participation - As of June 30, over 160,000 individual investors participated in "Cross-Border Wealth Management Connect 2.0," representing an increase of over 120% compared to the previous version [1] - The market response has been positive, with the value of holdings by Hong Kong participating institutions in the southbound scheme exceeding 16 billion RMB, marking a twofold increase from the earlier version [1] Group 2: Service Enhancements and Customer Demand - The demand for online, paperless, and rapid approval processes has surged, prompting banks like ICBC Shenzhen to upgrade their services to meet these customer expectations [2][3] - The optimization of the southbound scheme's personal investor admission standards has broadened the customer base, particularly attracting young professionals and small business owners [3] Group 3: Product Preferences and Risk Appetite - There is a growing diversification in the investment preferences of the Greater Bay Area investors, with a notable demand for both low-risk, stable products and an increasing interest in medium to high-risk products [5] - Fixed income products, particularly low to medium-risk options, remain the mainstream choice for mainland investors, while southbound investors show a strong interest in global products with higher yield potential [6] Group 4: Investor Guidance and Risk Awareness - Investors are advised to assess their financial situation, investment goals, and risk tolerance when selecting cross-border wealth management products, with a focus on matching product risk ratings to their own risk capacity [6][7] - Understanding the characteristics of cross-border products, including potential currency risks, is crucial for making informed investment decisions [7]