银行理财机构要向保险资管取长补短

Banks’ Wealth Management Must Learn from Insurance Firms’ Asset Management

资管新规出台之后,银行理财业务面临艰难转型,有顶层设计但缺乏底层规制。反观保险资管,其顶层设计和内部运行更加精细化,涉及保险资产管理的相关法规文件涵盖公司治理和风险管理、内部控制、资产分类、关联交易等方方面面。建议银行理财机构进一步加强制度建设,向保险资管机构取长补短,借鉴形成更加精细化的制度规范体系。

Since the introduction of the new regulations on asset management,banks’ wealth management business has been facing a difficult transformation.Though having a top-level design,it lacks operation-level regulations.In contrast,insurance companies have more refined top-level design and internal operations for asset management,and their relevant regulatory documents cover all aspects including corporate governance and risk management,internal control,asset classification,and affiliate transactions.It is suggested that banking wealth management institutions further strengthen the institutional construction,learn from the insurance companies,and form a more refined and standardized institutional system.