对我国“银行系QDII”业务的思考

Research on QDII Business in Chinese Commercial Banks

在我国人民币还没有实现完全可自由兑换、资本项目尚未开放的情况下,QDII制度的实行不仅使商业银行国际化进程迈进了一大步,而且使境内机构和个人获得了更为广阔的投资空间。但受全球金融危机的爆发和人民币升值压力等各方面的影响,各商业银行QDII业务损失惨重。本文就当前"银行系QDII"业务的发行和运营收益的现状进行分析,并针对其暴露出的风险分散意识不足、产品设计存在缺陷等问题提出建议。

In China,Renminbi still cannot be exchanged freely and the items of capitals have not been opened.The system of QDII has been established not only makes the commercial banks step further in internationalization,but also makes the domestic institutions and individuals earns a much wider range of capitals.However,due to global financial crisis and the Renminbi value increase,the QDII business in several commercial banks suffered big loss.This article analyzes the present ＂Bank QDII＂ issue and operation situation,and points out some suggestions to the lake of risk awareness and product design drawings.