Tsim Sha Tsui Guangdong Road is a well -known tourist area in Hong Kong. Famous stores are lined. Many mainland Chinese tourists like to buy famous clothing and leather bags here.Lianhe Zaobao reporter went to Guangdong Road to the side of the Victorian Sea on Friday (July 7) in the afternoon of Friday (July 7). I saw a road of just one or two hundred meters., Hold the advertising board to sell wealth management products to tourists.
The words "Hong Kong Insurance" asset allocation "and" bank account opening "are written on the advertising board with simplified words.
A insurance broker revealed to the Morning Post that many mainland people have recently traveling to Hong Kong to travel in Hong Kong. I hope to buy insurance in Hong Kong.Contact potential customers to solicit more business.
He said: "Although this method is stupid, when I am lucky, I tried to get one or two customers a day."
The experience of this insurance agent is just the tip of the iceberg of the Hong Kong insurance industry in the recent Hong Kong insurance industry.Since the mainland and Hong Kong have resumed the full customs clearance earlier this year, the first five months of visiting Hong Kong visitors have exceeded 10 million people. In addition to traditional tourism and shopping guests, there are many Lu customers who open or buy insurance in Hong Kong banks.
According to the statistics of the Hong Kong Insurance Regulatory Bureau, in the first quarter of this year, Luke's new purchase insurance premiums were HK $ 9.613 million (S $ 1.649 million), which was about 27 times year -on -year.
In terms of banking, the number of new accounts for cross -border customers in BOC Hong Kong this year has increased by five times from the same period last year. In the first quarter of this year, Hang Seng Bank's new non -Hong Kong customers increased by 2.6 times from the same period last year.
Data show that it is not new to allocate overseas assets through Hong Kong to allocate overseas assets. For example, in 2016 Brexit and the Turkish coup, the international situation is confusing. Investors have increased in risk shelter.The wave of wealth management in Hong Kong.
However, the recent wave of Luke's wealth management tide from Hong Kong is slightly different from the past: on the one hand, the backlog demand for the crown disease has been released at once, and the data has soared from the same year.Slowly, the RMB has weakened. The mainlanders are mainly deposited in the US dollar in Hong Kong banks, or purchased the US dollar insurance savings plan to achieve the purpose of diversified asset allocation.
On the Xiaohongshu of Mainland China, there are many strategies that compare the account opening process of various banks in Hong Kong. Among them, the banks that show "approval" can be collected on the same day.Many mainland users believe that there are many restrictions on foreign exchange transactions in mainland China. Compared with, Hong Kong's finance is more free and convenient for investing in other products, which is attractive to mainlanders.
In order to cope with this wave of account opening, many banks in Hong Kong have also extended their business hours. For example, HSBC has changed its wealth management center in Tsim Sha Tsui and Causeway Bay since March to open a seven -day business.Essence
Shao Zhiyao, a senior investor in Hong Kong, pointed out in an interview with Lianhe Morning Post that European and American countries have accelerated their targeting Chinese market "to" risk ", and the Chinese economy has rebounded weakly after the epidemic.The biggest reasons for US dollars related products.
He believes that the US dollar will still maintain strong in the short term, and weak RMB will face greater pressure.The long -term returns of Hong Kong insurance products and US dollar deposits are high, "the boom of mainlanders coming to Hong Kong to deposit US dollars and buy US dollar wealth management products will continue for a while."
However, mainland China implements strict capital control. Each RMB per person performed by the exit of mainland residents cannot exceed 20,000 yuan (S $ 3726), and the annual output of funds is 50,000 US dollars.Some people in the industry are worried that a large number of land passengers rushing to Hong Kong's cross -border financial management may promote Beijing's official tightening policies.
Shao Zhiyao said that recently, he returned to Shenzhen and found that the spot checks in the mainland were strict. "In the past, he would only check large -scale luggage. The backpack he carried now will be scheduled at any time."Four."
Shao Zhiyao also pointed out that although Luke went to Hong Kong to buy US dollar wealth management products, bringing new funds to Hong Kong's financial industry.However, in recent years, in addition to insurance and green finance in Hong Kong's financial industry, the overall contraction is in the long run. "In the long run, the Hong Kong financial industry must transform and find a new way out, instead of just doing insurance and foreign currency industries."
