以下文章来源于智谷国际Trend ，作者值得姐 专注科普出国移民信息，定制美国、澳洲、加拿大、新西兰、欧洲、亚洲等地的身份配置方案，已帮助众多家庭开启海外生活， 助力更多华人走向世界。 宗庆后的海外布局， 比你想象的要早、要深。 来源｜ 智谷国际（ID：ZGTrend-oversea） 智谷国际Trend . 封面来源 ｜ Pixabay 刚刚过去的几个月，娃哈哈家族遗产争夺战持续发酵。 2024年2月宗庆后去世时，全网哀悼这位"良心企业家"。然而仅仅一个月前，他刚在洛杉矶贝莱尔以2500万美元买下希尔顿家族的 豪宅—— 8间卧室、16间浴室 ，从5500万美元砍价到2500万。 1999年，杜建英以Jifunctioning Du信托基金名义购入圣马力诺市房产，与宗庆后夫妇名下268万美元庄园相邻。 2008年宗家抛售美国房产时，杜建英同步出售的物业评估价已达154万美元。 2009年，宗馥莉购入香港半山栢道2号物业，成交价1110万元，签约时使用美国护照。该物业2018年转手，成交价达2600万元。 宗馥莉在香港的登记住址位于山顶白加道27号，使用面积约4000平方英尺，价值高达2亿 连续剧到今年7月，三 ...

近日，重磅消息一条接一条。 8月1日，财政部、税务总局公告，自8月8日起，对新发行的国债、地方政府债券、金融债券的利息收入，恢复征收增值税。 8 月 4 日，央行主管的金融时报刊文强调，国家税务总局加强对个人境外收入的监管，明确境外买卖股票收入需依法申报并缴纳个人所得税， 允许纳税人 按纳税年度盈亏相抵计算应税所得，但禁止跨年抵扣亏损。 税务部门允许个人在 纳税年度内对境外股票交易的盈亏进行抵扣，但不允许跨年度抵扣。 3.CRS 机制助力监管： 我国已加入OECD主导的 CRS机制，与全球150多个司法管辖区实现金融账户信息自动交换 。 这一规则符合国际通行做法，美国、德国等主要经济体均对境外股票交易所得征税。 // 哪些人或行为被重点监控？ // （图片来自海洛） // 权威媒体发声 // 金融时报8 月 4 日刊发《加强个人境外收入监管！境外买卖股票收入也要缴税》一文，核心要点如下： 1. 境外股票交易所得需缴税 ： 根据《中华人民共和国个人所得税法》， 个人在境外买卖股票所得属于财产转让所得，适用 20% 的税率按次征收。 2 . 年度内盈亏可互抵： 国家税务总局此前发布的《财政部 税务总局关于境外所得 ...

Core Insights - The Hong Kong insurance market is expected to experience a historic surge in 2024, with new premiums reaching HKD 219.8 billion, a 21.4% increase from HKD 180.7 billion in 2023, marking the first time it surpasses HKD 200 billion and setting a new record [1][2] - Mainland visitors contributed HKD 62.8 billion in premiums, a 6.5% increase from HKD 59 billion in 2023, accounting for 28.6% of total premiums in Hong Kong [1][2] - The rise in demand for insurance from mainland residents is attributed to lower interest rates in mainland China, leading to a strong need for wealth management and diversified currency policies [2] Insurance Market Dynamics - The structure of new premiums in 2024 shows that USD policies accounted for 78.9%, HKD policies for 15.7%, and RMB policies for 3.9% [2] - The flexibility of asset selection in Hong Kong insurance products and the ability to cater to cross-border asset allocation needs have significantly increased the attractiveness of these products for high-net-worth individuals from mainland China [2] Illegal Forex Exchange Activities - A criminal group exploited the surge in mainland residents purchasing insurance in Hong Kong by offering illegal foreign exchange services disguised as insurance premium payments, leading to significant financial misconduct [3][4] - The group, consisting of high-earning insurance professionals, utilized coded language and offshore communication tools to facilitate these illegal transactions, which involved transferring funds between domestic and foreign accounts to evade regulatory scrutiny [3][4] Regulatory Response and Market Impact - The illegal forex exchange activities have raised concerns about the security of funds and the potential for these operations to be linked to other criminal activities, such as money laundering and fraud [6][7] - Regulatory measures are being enhanced to address these illegal practices, with a focus on maintaining the integrity of the foreign exchange market and preventing financial crimes [7][8] - The introduction of the Cross-Border Payment System in June 2025 aims to provide a more convenient and cost-effective channel for small cross-border payments, which may help mitigate the demand for illegal forex exchanges [8]

Core Viewpoint - The recent issuance of a total investment quota of 3.08 billion USD for Qualified Domestic Institutional Investors (QDII) by the State Administration of Foreign Exchange (SAFE) aims to enhance cross-border investment capabilities and diversify asset allocation for domestic investors [1][3]. Group 1: QDII Quota Issuance - The issuance of QDII quotas will orderly meet the overseas wealth allocation needs of domestic investors and promote the dual opening of China's financial market, enhancing China's influence in the global financial system [1][3]. - As of June 30, 2025, a total of 191 QDII institutions have been approved, with a cumulative quota of 170.87 billion USD [1]. Group 2: Market Reactions - Market sentiment towards the recent QDII quota issuance is positive, with institutions like CICC stating that it provides strong support for asset management firms to meet the growing global asset allocation and risk diversification needs of domestic residents [3]. - CITIC Securities noted that the quota issuance will help Chinese asset management institutions expand overseas investments and enhance their global asset management capabilities [3]. Group 3: Future Outlook - SAFE officials indicated that future QDII quota issuance will be conducted in a prudent and orderly manner, focusing on institutions with strong investment management capabilities and high compliance awareness [4]. - The QDII system has been effective in balancing the relationship between expanding openness and risk prevention, establishing comprehensive regulatory rules to mitigate cross-border capital flow risks while promoting high-level financial openness [6]. Group 4: Impact on Financial Institutions - The QDII system has positively contributed to enhancing the international competitiveness of domestic financial institutions, allowing them to familiarize themselves with and explore international markets [6]. - The QDII framework has provided procedural conveniences for domestic financial and investment institutions to engage in overseas investments, leading to a growing demand for investments in US stocks, Hong Kong stocks, and overseas bonds [6].

Core Insights - DBS Bank is expanding its wealth management services in Hong Kong, planning to hire 100 wealth advisors and establish a flagship wealth center by June 2025, despite a backdrop of layoffs in international investment banks and concerns about talent and capital flight from Hong Kong [2][3] - The bank's strategy is based on the belief that the demand for cross-border asset allocation from China's new affluent class will drive the next growth phase in Asia's wealth management market [3][4] - DBS is also applying for a cryptocurrency service license in Hong Kong, aiming to provide digital asset allocation channels to local clients, highlighting the city's clear and forward-looking regulatory framework for virtual assets [2][5] Market Trends - Hong Kong's private wealth management sector saw a net inflow of HKD 341 billion in 2023, nearly doubling year-on-year, indicating a strong recovery in the asset platform's functionality [3][4] - The "New Capital Investor Entry Scheme" (CIES) has attracted over 1,200 applications in just one year, expected to bring in HKD 37 billion in direct investment, reflecting renewed interest in Hong Kong as an asset hub [3][4] - The proportion of cross-border clients in DBS's Hong Kong wealth management business has increased from 20% five years ago to nearly 40%, with expectations to exceed 50% in the next two to three years [3][4] Wealth Management Dynamics - Over one-third of new client assets in Hong Kong are sourced from mainland China, with a significant increase in cryptocurrency trading value, which grew by 85.6% in 2023, the highest in East Asia [4][8] - The demand for alternative assets is rising, with high-net-worth clients increasingly interested in integrating digital assets into their portfolios, moving away from traditional investment strategies [8][9] - The shift in client demographics is notable, with the fastest growth among "next-high-net-worth" individuals, defined as those with assets between USD 5 million and USD 10 million, indicating a broader market opportunity for wealth management firms [6][7] Strategic Positioning - DBS's internal strategy includes expanding its wealth management network in Hong Kong and enhancing its service offerings, such as real-time foreign exchange trading capabilities [4][6] - The bank's recent approval to become a member of the China Foreign Exchange Trading System allows it to participate directly in foreign currency borrowing and repurchase transactions, enhancing its role in the internationalization of the RMB [4][6] - The bank's cautious approach to cryptocurrency services aims to meet high-net-worth clients' needs for digital asset allocation while managing risk exposure [5][9] Future Outlook - The integration of stablecoins, asset tokenization, and ETFs in Hong Kong's financial infrastructure is seen as a critical development for wealth management, providing a compliant channel for digital asset allocation [9][10] - The evolving landscape suggests a shift in asset allocation strategies, with a move towards a more diversified approach that includes alternative assets alongside traditional investments [10][11] - Hong Kong's unique position as a bridge between the RMB and global markets is expected to attract more affluent clients seeking transparent and flexible asset management solutions [12][13]

Group 1 - The core viewpoint of the articles highlights the increasing focus of high-net-worth families on finding stable wealth management strategies amid global economic adjustments and rising geopolitical risks [1] - The HuRun Research Institute's report indicates that China is expected to experience a wealth transfer wave of 79 trillion RMB over the next 30 years, necessitating professional solutions for asset allocation, tax compliance, and business succession [1][2] - The "Beyond Wealth: Sustainable Inheritance" national lecture series organized by the Harbor Family Office attracted over 200 offline participants and over 6000 online viewers, indicating strong interest in wealth management strategies [2][6] Group 2 - The Chief Economist of Harbor Family Office, Xing Lei, emphasized the uncertainties in the current economic environment, including the impact of the US-China tariff war and the limited return potential of RMB assets, while highlighting the advantages of low-risk dollar asset portfolios [6] - Legal expert Wang Fang discussed the dual-track protection strategy for families and enterprises, addressing higher compliance requirements in operations and inheritance due to changes in tax audits and regulations [8] - The lecture series serves as a foundation for future events, with Harbor Family Office committed to expanding its services to build a robust and sustainable wealth management system for high-net-worth families [8]

Group 1 - The Shenzhen Stock Exchange and Hang Seng Index Company jointly launched the Guozhen Hang Seng Greater Bay Area Digital Economy Index and Guozhen Hang Seng Greater Bay Area Consumption Index to provide distinctive cross-border investment targets and better serve investors' cross-border asset allocation needs [1][2] - The indices focus on core leading companies in the digital economy and consumption sectors, reflecting significant investment value and providing a solid foundation for index compilation and product development [1][2] - The Guozhen Hang Seng Greater Bay Area Digital Economy Index includes 50 companies with large market capitalization and good liquidity from sectors such as electronic components, telecommunications equipment, digital solutions, internet services, infrastructure, and semiconductors, featuring representatives like Tencent Holdings and Luxshare Precision [1][2] Group 2 - The Guozhen Hang Seng Greater Bay Area Consumption Index comprises 50 companies from consumer sectors such as household appliances, consumer electronics, packaged food, furniture, and personal care, including industry leaders like Gree Electric and TCL Technology [1][2] - The collaboration between the two index institutions aims to enhance the representation and investment guidance of the index market, facilitating the continuous expansion of the mutual connectivity mechanism between Shenzhen and Hong Kong [2] - The companies plan to develop more diverse indices to provide comprehensive index solutions for domestic and international market participants, helping them seize economic development and market opportunities in the Shenzhen-Hong Kong region [2]