Can deposit products with a interest rate of up to 10%be bought?Recently, high -interest deposit products of “South Win Tong” have attracted widespread attention.With the release of the newly revised “Implementation Rules for the” Cross -border Financial Management “business of the Guangdong -Hong Kong -Macao Greater Bay Area”, the “Cross -border Financial Management 2.0” version was launched.At present, many “cross -border financial management” pilots have participated in banks have launched related preferential products, one of which is called “South Xiangtong”. With its 10%deposit interest, it has attracted the attention of a large number of investors, and and and of.Drive the account opening boom.

The “cross -border financial management” business refers to the closed -loop capital pipeline established by the Mainland and Hong Kong and Macao investors in the Guangdong -Hong Kong -Macao Greater Bay Area and Hong Kong and Macao.”And” South Tongtong “.Through the “South direction”, qualified investors can open a personal investment account in Hong Kong and Macao sales banks, and remit funds through closed -loop fund pipelines to purchase investment products sold in Hong Kong and Macao sales banks.

For example, the Industrial and Commercial Bank of China (Asia) released information shows that the qualified customers will be handled by the “Cross -border Financial Connect to the South” account for 1 month or 3 in the “Cross -border Financial Management Connect to the South” account from February 26, 2024 to March 31, 2024The monthly deposit of RMB/Hong Kong dollars/USD/USD can enjoy the annual interest rate.Among them, the one -month deposit interest rate of 5,000 yuan or above is 6%, and the three months of 3 months is 5%; the interest rate of 1 month or more of the Hong Kong dollar is 9%, 6%in 3 months; USD 1,000; USD 1,000;The one -month deposit rate of one month or above is as high as 10%, and the 3 months is 7%.

It should be noted that the current ultra -high interest rate deposit products that appear in Hong Kong are not for all customers. Most of them are limited to the application of “cross -border financial management throughout the south” customers, and this is a short -term promotional measure launched by related banks.Not universal.In addition, many banks set the activity period in the announcement, mostly about 1 month.According to reporters, investors can enjoy higher interest rates during the preferential period.

Why is the deposit interest rate of “South Tongtong” products so high?Wang Pengbo, chief analyst of Broadcom consulting financial industry, said that on the one hand, Hong Kong implements the contact rate system, and HKD is linked to the US dollar. Recently, the high interest rate is affected by the continuous interest rate hike in the US dollar; on the other hand, high interest rates can also attract more mainland residents to buy them.Financial product.

“South Tong” provides a richer investment choice and higher investment income for mainland investors, but its opening threshold is high.In order to ensure the stability of the market and the rights of investors, “South Tongtong” set certain restrictions.

Taking account opening conditions as an example, investors need to have the household registration of 9 cities in the Mainland of the Guangdong -Hong Kong -Macao Greater Bay Area (Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing), or continue to pay social security or in these 9 cities orPersonal income tax has been for 2 years, and you need to go to the designated outlets in the above 9 cities to open an account.At the same time, it is necessary to have more than 2 years of investment experience, and meet the balance of home financial net assets in the last three months of the three months of the three months, or the balance of the monthly monthly monthly monthly monthly monthly balance of the family’s financial assets is not less than 2 million yuan, orIn the past 3 years, the average annual income of the person is not less than 400,000 yuan.In addition, the qualified “South Win Tong” investors can only choose to open an account in one bank, and cannot have a “cross -border financial management” account of multiple banks at the same time.

However, so many restrictions on “South Tongtong” have not affected its market enthusiasm, and the attractive deposit interest and broad investment prospects still attract a lot of investors’ attention.A bank’s customer manager told reporters that many people have recently been consulting and handling the “South Wentong” business, hoping to seize this investment opportunity.