以财富管理为着力点 服务浙江经济转型升级

浙江省经济转型将迎来巨大的财富管理需求,这为银行业发展财富管理业务提供了良好契机。同时,开展财富管理银行业务也是商业银行打破同质化竞争、辅助产业资本走出去、实现自身战略转型的必由之路。在浙商业银行实现财富管理转型,必须从传统的资金提供者向综合金融服务商转变,可以从产品创新、品牌塑造、新兴产业、中小企业、信息技术和风险控制六个方面入手。同时,政府和监管机构也应加快完善法律法规,鼓励金融创新,搭建行业交流平台。

The economic transformation of Zhejiang Province will create huge demands for wealth management, which will provide a great opportunity for developing wealth management business in banking industry. Moreover, developing the wealth management business is also the only way for banking industry to get rid of the homogeneous competition, assist the industrial capital in investing abroad and achieve its strategic transformation. In order to achieve the transformation of wealth management, the commercial banks in Zhejiang have to shift from traditional lenders to integrated financial services providers. The transformation can be started from six aspects： product innovation, brand building, emerging industries, SMEs, information technology and risk control. Furthermore, the government and regulatory authority should also facilitate the improvement in laws and regulations, encouraging the financial innovations and building a platform for communications between industries.