首页|资管新规背景下银行理财业务的转型问题研究

资管新规背景下银行理财业务的转型问题研究

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随着中国金融监管政策的不断调整,资管新规的出台对银行理财业务带来了深刻的影响.文章以资管新规实施后银行理财业务的转型问题为研究对象,通过梳理相关文献、分析政策内容和调查实证等方法,探讨了资管新规对银行理财业务的影响及其转型路径.研究发现,资管新规的出台使得银行理财业务面临着诸多挑战,包括产品结构调整、风险管理加强、投资标的变化等方面问题.针对这些挑战,银行需要积极应对,采取加强产品创新、完善风险管理制度、优化投资组合结构等转型措施.同时,政府部门也应加强监管力度,引导银行理财业务健康发展,促进金融市场稳定.
Research on the Transformation of Bank Financial Services Under the Background of New Regulation of Asset Management
With the continuous adjustment of China's financial regulatory policies,the introduction of new regulations on asset management has brought profound impact on bank financial services.This paper takes the transformation of bank financial services after the implementation of the new asset management regulation as the research object,discusses the impact of the new asset management regulation on bank financial services and its transformation path by combing relevant literature,analyzing policy content and investigating empirical evidence.It is found that the introduction of new regulations on asset management has made bank financial services face many challenges,including product structure adjustment,risk management strengthening,and investment target changes.In response to these challenges,banks need to actively respond to these,take such transformation measures as strengthening product innovation,improving risk management system and optimizing portfolio structure.At the same time,government departments should also strengthen supervision,guide the healthy development of bank financial services,and promote the stability of the financial market.

new regulation of asset managementbankingfinancial services

苏卿

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湖北工业大学 经济与管理学院,湖北 武汉 430000

资管新规 银行业 理财业务

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(31)