资管新规背景下商业银行理财业务发展问题研究  

Research on the Development of Financial Management Business of Commercial Banks under the Background of New Asset Management Regulations

作　　者：胡茵[1,2] HU Yin(School of Finance,Changchun Finance College,Changchun 130124,China;Jilin Inclusive Financial Research Center,Changchun 130124,China)

机构地区：[1]长春金融高等专科学校金融学院,吉林长春130124 [2]吉林省普惠金融研究中心,吉林长春130124

出　　处：《长春金融高等专科学校学报》2022年第1期15-18,共4页Journal of Changchun Finance College

摘　　要：资管新规出台以来,商业银行的理财业务得以平稳发展,但在其发展过程中也遇到理财专业人才储备不足、产品类型相对单一、中小型银行研发能力不足等问题,且这些问题逐渐成为我国商业银行理财业务面临的新挑战。商业银行应从强化人才培养与激励机制、细分客户与丰富产品类型、增强中小型商业银行研发能力等方面推动其理财业务的顺利转型,实现商业银行理财业务稳健性与多样化,从而为我国金融市场的健康发展提供助力。Since the introduction of the new regulations on asset management,the financial management business of commercial banks has developed steadily,but in the process of its development,it has also en-countered problems such as insufficient reserve of financial professionals,relatively single product type,in-sufficient R&D capacity of small and medium-sized banks,and these problems have gradually become new challenges for the financial management business of commercial banks in China.Commercial banks should promote the smooth transformation of their financial business from the aspects of strengthening tal-ent training and incentive mechanism,segmenting customers and enriching product types,and enhancing the R&D ability of small and medium-sized commercial banks,so as to realize the robustness and diversifi-cation of financial business of commercial banks,and provide assistance for the healthy development of China's financial market.

关 键 词：商业银行 理财业务 发展 

分 类 号：F832.2[经济管理—金融学]