Under the Southbound Scheme, investors must conduct investments through mutually paired remittance accounts and investment accounts.

For Southbound Connect investors who open accounts in Hong Kong, they need to have an account in a Chinese Mainland bank for cross-border wealth management remittance (remittance account) and an account specifically for cross-border wealth management investment in their Hong Kong partner bank (investment account).

The two accounts must be mutually paired and establish a closed-loop fund management system: that is, to ensure that the remittance account is the only account for the source of the southbound investment principal in the investment account and the only account for the return of southbound funds. If Southbound Connect investors want to withdraw the principal or proceeds in the investment account, they can simply transfer the funds back to the paired remittance account.