农村商业银行提高主动资产管理能力研究

Research on the Improvement of Active Asset Management Capacity of Rural Commercial Bank

随着我国利率市场化的发展,商业银行的存贷差的利润空间被不断挤压。而随着资管新规的落地和市场竞争的日趋激烈,如何保持盈利能力和理财规模,提高主动资产管理能力成为业务发展较为滞后的农村商业银行的重要课题。因此,通过对资管新规的研究,建立以投研、产品、销售、风控"四位一体"的资管业务体系,为农村商业银行深挖客户资源、提高大类资产配置能力、完善线上线下融合的风控系统提供依据具有较好的实践意义。

With the development of interest rate liberation in China,the profit margins generated by the gap between deposits and loans in commercial banks have been squeezed.Confronted with the new regulations of asset management and the increasingly fierce market competition,rural commercial banks,whose business development fall far behind,need to think about how to maintain their profitability and financial scale as well as actively improve their asset management capacity.Therefore,this paper aims to establish a four-in-one asset management business system that is composed of research,product,sales and risk control,which will help rural commercial banks find more customer resources,improve their capacity of large asset allocations and perfect their risk control system of online and offline integration.