从资管新规看商业银行理财业务的未来

The Future of Financial Management of Commercial Banks from the New Regulation of Information Management

随着经济社会的发展,人们收入的增长,使得人们对投资理财有了更多的需求。近年来,资产管理行业快速发展,但是资产管理行业在发展过程中也存在业务发展不规范、杠杆不清、刚性兑付、规避宏观调控以及监管套利等问题,严重影响到整个行业的健康发展。为了更好地规范这个行业的发展,国家出台了《关于规范金融机构资产管理业务的监管新规(征求意见稿)》,从而更好地促进整个资产管理行业健康有序发展,推动我国金融事业的发展。本文主要从在监管推进中有序化解商业银行转型的风险,资管新规引领资产管理的本质等几个方面探讨资产管理转型回归的本源。

With the development of economy and society, people’s income growth has made people more demand for investment and financial management. In recent years, the asset management industry has developed rapidly, but in the process of the development of the asset management industry, there are also problems such as non standard business development, unclear leverage, rigid cash payment, avoidance of macro regulation and regulation arbitrage, which seriously affect the healthy development of the whole industry. In order to better standardize the development of this industry, the state promulgated the new regulation on regulating tiie assets management of financial institutions （Soliciting Comments）, so as to better promote the healthy and orderly development of the whole asset management industry and promote the development of our financial industry. This article mainly deals with the risk of the transformation of commercial banks in an orderly way,and the new regulations lead the essence of asset management,and discuss the origin of the transformation of asset management from four aspects.