银行理财深化改革、回归本源、服务实体的研究与思考——基于招银理财的实践谈几点对银行理财子公司发展的建议

The Research and Thinking of Deepening the Reform of Bank Financial Management,Returning to the Source and Serving the Entity——Based on the Practice of CMB Financial Management,some Suggestions on the Development of Banking Subsidiaries are Discussed

今年是资管新规出台的第五年,在中国财富管理50人论坛(CWM50)组织召开的资管新规五周年专题研讨会中,招银理财总裁吴涧兵出席并作专题发言。他表示,招银理财随着行业发展实现了自身成长,同时,他对银行理财子公司的发展提出了六点建议:一是关于理财子公司的发展定位,银行理财是最有可能成为全能型的资管机构;二是发挥资源禀赋,积极探索非标业务发展之路,为实体注入动力;三是建议以养老服务为突破口,大力促进第三支柱建设;四是建议以投顾服务为载体,提升客户体验,推进理性长期投资,达成财富管理终极目标;五是建议促进理财权益产品的发行,积极支持理财子公司弥补权益投资的短板;六是建议试点推行理财产品转让及理财质押业务。

This year marks the fifth year since the introduction of New Asset Management Regulations.Recently,Wu Jianbing,President of China Merchants Bank Wealth Management,attended and delivered a special speech at the“Deepening Reform,Returning to the Origin,Serving the Real Economy——The Fifth Anniversary of New Asset Management Regulations”Seminar organized by the China Wealth Management 50 Forum(CWM50).Wu Jianbing said that since its establishment,CMB Wealth Management has achieved its own growth along with the development of the industry.At the same time,he put forward six suggestions for the development of the bank's wealth management subsidiary.Firstly on the development of the positioning of the wealth management subsidiaries.Bank wealth management is the most likely to become an all-around asset management institution;Second,leverage resource empowerment,actively explore the path of non-standard business development,and inject momentum into the real economy.Third,to promote the development of the third pillar of pension system by focusing on pension services;Fourth,to enhance investor experience through investment advisory services and promote rational long-term investment philosophy,achieving the ultimate goal of wealth management.Fifth,to promote the issuance of equity wealth management products,and proactively strengthen the lagging equity investment arm of wealth management subsidiaries;Sixth,to pilot the transfer and the pledge of wealth management products.