结构性存款的监管及未来发展

The Supervision and Future Development of Structured Deposits

近年来,随着结构性存款规模的快速增加,对结构性存款的监管也不断加码。结构性存款的监管开始于2005年,之后很长时间内一直位于理财业务的监管框架下。2019年以来,相关部门出台了专门针对结构性存款的监管政策。文章主要对历年来结构性存款的监管政策进行梳理,分析监管加码背后的深层次原因,并对结构性存款的未来发展进行展望。

Along with the rapid development of structured deposits in recent years,the supervision has also been strengthened.The supervision started from 2005,and had been under the regulatory framework of wealth management for a long time.In 2019,the regulatory policies specifically for structured deposits were issued.The article reviews the regulatory policies of structured deposits,analyzes the reasons behind the supervision strengthening,and prospects the future development of structured deposits.