资管新规视角下商业银行理财业务面临的机遇与挑战

Opportunities and Challenges Faced by Financial Services of Commercial Banks from the Perspective of New Regulations on Asset Management

随着2018年被业界称为"资管领域宪法"的《资管新规》正式落地,百万亿规模的资产管理市场迎来了统一监管。作为在资产管理中占比最大的商业银行理财业务,如何抓住《资管新规》的核心要点,按要求在产品端、营销端和投资端进行自我规范,并在全面转型中抓住机遇、迎接挑战,是其在下一步发展过程中要面临和解决的重要问题。

With the formal implementation of the new regulations on asset management, known as the "constitution in the field of asset management" by the industry in 2018, the asset management market with a scale of one billion ushered in a unified supervision. As the financial management business of commercial banks, which accounts for the largest proportion in asset management, how to grasp the core points of the new regulations on asset management, regulate itself at the product end, marketing end and investment end according to the requirements, and seize the opportunities and meet the challenges in the comprehensive transformation is an important problem to be faced and solved in the next development process.