银行理财子公司发展的路径比较、机遇挑战和政策建议

Comparison of Development Paths,Opportunities, Challenges and Policy Suggestions of Wealth Management Companies

作为《关于规范金融机构资产管理业务的指导意见》(以下简称"资管新规"),直接催生的一类新兴资管机构"银行理财子公司"肩负着我国规模最大的资管产品——银行理财的运作管理及合规发展的重任。银行理财子公司自诞生以来就一直受到监管机构、市场同业和社会公众的高度关注。自2019年5月建信理财和工银理财两家理财子公司开业以来,银行理财子公司的批筹开业络绎不绝。

In 2018, China’s asset management industry entered a new era of standardized development, which starts the “big asset management era” of equal supervision and full competition. The only way for wealth management companies of commercial banks to develop is to find the correct development path and choosing an effective development model.