资管新规下我国银行理财业务发展变化及影响分析

Analysis on the Changes and Impacts of the Development of Chinese Bank Financing under the New Regulation of Asset Management

随着我国利率市场化稳步推进,社会各界投资意识不断增强,银行理财业务发展迅速。资管新规后,理财业务将面临新的发展趋势,对发行主体、投资者以及货币政策等都将产生一定的影响。本文旨在梳理资管新规引导下我国银行理财业务的发展变化趋势,从理财业务数据变化的角度来研究银行理财业务对发行主体、投资者以及货币政策的影响,并针对落实资管新规要求、推进理财业务转型发展提出有关政策建议。

With the steady progress of interest rate liberalization in China,the investment awareness of all sectors of the society has been continuously strengthened,and the banking financial services have been developing rapidly.After the new regulation,the financial services will face a new development trend,which will have a certain impact on the issuers,investors and monetary policies.The purpose of this paper is to comb information new rules(that is,the asset management business of normative financial institution"guidance")led the trend of the development of the bank financing business in our country,from the perspective of financing business data changes the bank financing business for issuers,investors,and the effect of monetary policy,and to implement the information the new rules requirements,and promote the development of financial business transformation puts forward relevant policy Suggestions.