资管新规下商业银行资管业务转型研究
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摘要
为了防止发生系统性金融风险,监管机构出台了系列资管新规。通过概述新规的要点:统一监管标准;引导资管业务回归本源;消除监管套利;服务实体经济。分析新规对商业银行的影响:长期看将促进商业银行更有效地管理风险、实现粗放式向精细化管理的转型、同质化向差异化竞争的转变;但短期则会给商业银行的资管业务带来规模下降等"阵痛"。提出商业银行的资管业务转型建议:调整产品结构;优化理财资金配置管理;加强理财子公司运营管理;加强销售渠道建设。
In order to prevent the occurrence of systemic financial risks,regulators have introduced a series of new asset management regulations. The main point of the new regulation is to uniform regulatory standards,to guide the asset management business to return to its original function and to eliminate regulatory arbitrage and to serve the entity economy. It analyzes its influence on commercial banks. In the long run,because of the new regulation,commercial banks can manage risks more effectively and realize the transformation from extensive management to refined management,including the transformation from homogeneous competition to differentiated competition. However,in the short term,it will bring throes to the asset management business of commercial banks. Based on the following aspects including the adjustment of the product structure,the optimum configuration of financial funds,the formation of wealth management subsidiaries and the reinforcement of the marketing channel construction,this paper put forward relevant suggestions on the transformation of asset management business of commercial banks.
In order to prevent the occurrence of systemic financial risks,regulators have introduced a series of new asset management regulations. The main point of the new regulation is to uniform regulatory standards,to guide the asset management business to return to its original function and to eliminate regulatory arbitrage and to serve the entity economy. It analyzes its influence on commercial banks. In the long run,because of the new regulation,commercial banks can manage risks more effectively and realize the transformation from extensive management to refined management,including the transformation from homogeneous competition to differentiated competition. However,in the short term,it will bring throes to the asset management business of commercial banks. Based on the following aspects including the adjustment of the product structure,the optimum configuration of financial funds,the formation of wealth management subsidiaries and the reinforcement of the marketing channel construction,this paper put forward relevant suggestions on the transformation of asset management business of commercial banks.
引文
[1]刘洋.大资管下我国商业银行理财业务发展研究[D].长春:吉林财经大学,2017:20-24.
[2]盛松成,龙玉.资管新规对金融发展意义重大[J].中国金融,2018(16):28-30.
[3]陈卫东,熊启跃.资管新规下银行业务调整及影响[J].中国金融,2018(20):25-27.
[4]卜振兴.资管新规的分析与影响前瞻[J].南方金融,2018(6):66-72.
[5]杨荣,方才.资管新规下商业银行资管业务转型[J].金融市场研究,2018(5):50-61.
[6]卜振兴.资管新规下非标业务转型对策[J].金融市场研究,2018(8):90-101.
[7]范念龙.资管新规实施预期下我国结构性存款快速发展的影响研究[J].西部金融,2018(4):39-43.
[8]张茹琪.资管新规对我国影子银行的影响[J].金融经济,2018(18):67-68.
[9]周月秋,藏波.银行非标业务转型之路[J].中国金融,2018(5):39-41.
[10]李迅雷,齐晟.底线思维下的资管新规细则[J].中国金融,2018(15):51-54.
[2]盛松成,龙玉.资管新规对金融发展意义重大[J].中国金融,2018(16):28-30.
[3]陈卫东,熊启跃.资管新规下银行业务调整及影响[J].中国金融,2018(20):25-27.
[4]卜振兴.资管新规的分析与影响前瞻[J].南方金融,2018(6):66-72.
[5]杨荣,方才.资管新规下商业银行资管业务转型[J].金融市场研究,2018(5):50-61.
[6]卜振兴.资管新规下非标业务转型对策[J].金融市场研究,2018(8):90-101.
[7]范念龙.资管新规实施预期下我国结构性存款快速发展的影响研究[J].西部金融,2018(4):39-43.
[8]张茹琪.资管新规对我国影子银行的影响[J].金融经济,2018(18):67-68.
[9]周月秋,藏波.银行非标业务转型之路[J].中国金融,2018(5):39-41.
[10]李迅雷,齐晟.底线思维下的资管新规细则[J].中国金融,2018(15):51-54.