| 摘要: |
| 2018年4月资管新规出台，对银行理财业务的规范发展做出了一系列要求。新规明 确指出：过渡期后，具有证券投资基金托管业务资质的商业银行应当设立具有独立法人地位的 子公司开展资产管理业务。截至2017年末，银行理财业务规模近30万亿，其一举一动对整个资 管市场有着举足轻重的影响。本文从监管政策发展、成熟资管市场的经验、人口老龄化加速趋 势三个角度阐述了银行在当前设立资管子公司的背景条件，并分析了未来银行资管子公司发 展的趋势以及面临的挑战。 |
| 关键词: 银行理财；资管子公司；净值化管理 |
| DOI： |
| 分类号:F830 |
| 基金项目: |
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| The Trend and Challenges analysis of Commercial Banks Setting up Assets Management Subsidiaries |
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BA Shusong JIANG Yahao ZHU Hong1,2,3
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1.China Banking Association;2.Zhongnan University of Economics and Law;3.China Reinsurance（Group）Co., Ltd. Postdoctoral Research Station
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| Abstract: |
| In April 2018, the new regulations for asset management industry were introduced, which made a series of requirements for the standardized development of bank wealth management business. The new regulations clearly state that after the transition period, commercial banks with securities investment fund custody business qualifications should establish subsidiaries with independent legal person status to carry out asset management business. As of the end of 2017, the bank's wealth management business was nearly 30 trillion yuan, and its every move has a significant impact on the entire asset management market. This paper expounds the background conditions of the bank's current establishment of the pipe company from the perspectives of the development of regulatory policies, the experience of the mature asset management market, and the accelerated trend of population aging, and analyzes the development trend and challenges of future bank asset management subsidiaries. |
| Key words: Bank Management；Asset Management Subsidiary； Net Worth Management |
