银行理财的主动管理转型之路

Active Management Transformation of Commercial Bank's Financial Service

银行理财,作为近年来利率市场化进程中最重要的金融创新,持续迅猛增长。它首先是满足了广大投资者适度参与金融市场、获得高于存款收益的基本需求,其次是通过影子银行体系为实体经济提供了难能可贵的融通资金,最后是为银行自身创造了可观的业务收入,实现了多方共赢的局面。随着投资者理念的不断成熟、大资管时代的进一步深化以及行业监管的逐渐强化,银行理财将面临更大的挑战与机遇。

As the most important financial innovation in the process of interest rate marketization in recent years,Bank financing has kept rapid growth.As investor concept to be mature,the further deepening of the era of large information technology and the gradual enhancement of the industry regulations,the bank financing will face even greater challenges and opportunities.