台灣個人至中國大陸理財之研究

本文討論在兩岸存款利息存在差距的情況下，詳解目前中國大陸存在的適合投資標的，並給出台灣投資者投資意見。本文按照巴曙松定義的中國三次資產管理浪潮湧中現的新興投資標的，由從近到遠的時間順序介紹各類投資產品，包括貨幣市場基金、P2P借貸、銀行理財、信託投資和股票型基金。最後詳細介紹了第三次資產管理浪潮中全面蓬勃發展隸屬阿裡巴巴集團下的螞蟻金服。旨在幫助台灣投資者更好的瞭解中國大陸投資機會。

關鍵字

存款利率；貨幣市場基金； P2P ；銀行理財；信託；股票型基金；螞蟻金服

並列摘要

Concerning the difference of deposit rates between Taiwan and mainland of China, this paper gives a detailed profiling of the investment universe in mainland China and provides actionable investment advices to investors in Taiwan. Following Mr. Bashusong’ definition of the third wave in China’s asset management business, the paper analyzes various kinds of investment products including money market funds, P2P lending, bank’s wealth management products, trust products and equity-linked funds. This paper ends with the thorough analysis of Ant Financial owned by Alibaba Group, which benefits substantially from China’s booming asset management business. This paper aims to facilitate further understanding of mainland’s investment opportunities among Taiwan investors.