理财新规背景下商业银行理财业务发展分析

Analysis of Financial Business Development of Commercial Banks under the Background of New Financial Regulations

近年来,商业银行层出不穷的理财风险案件引起了社会的广泛关注,对此,银保监会发布的《商业银行理财业务监督管理办法》开启了银行理财业务监管的新时代,本文基于对其相关细则的分析,阐释了它对银行理财业务的影响,并为商业银行理财业务的进一步发展提供了建议。研究表明,随着理财业务的不断规范,银行在产品形态、投资管理、投研能力、理财子公司建设方面均面临转型,同时,市场规模增长以及来自基金、信托的竞争也给银行理财带来了巨大的机遇和挑战。最后,本文从理财产品营销、投资战略以及子公司建设等方面提出了具体建议。

In recent years, the endless stream of financial risk cases in commercial banks has aroused widespread concern in the society. In this regard, the “Measures for the Supervision and Management of Commercial Banks' Financial Management Services" issued by the Banking Regulatory Commission has opened a new era of supervision of bank wealth management business. The analysis explains its impact on the bank's wealth management business and provides recommendations for the development of commercial banks' next wealth management business. Research shows that with the constant regulation of wealth management business, banks are facing transformation in terms of product form, investment management, investment research capabilities, and financial subsidiary construction. At the same time, market size growth and competition from funds and trusts also bring bank wealth management. Great opportunities and challenges. Finally, this paper puts forward specific suggestions from the aspects of marketing, investment and subsidiary construction of wealth management products.