Explore The Transformation Of Asset Management Business Model In The Era Of Big Capital Tube

With the rapid change of economic development and regulatory policies in China,as well as the development of financial awareness for domestic residents, financial products will continue to replace the deposits. At the same time, in recent years, after the relevant policy documents of asset management about fund, trust, securities and insurance industries issued by the government, banking, insurance, funds and other institutions information can carry out asset management,which means that China’s asset management industry will usher in rapid development, it is clear that China has entered the era of big capital tube.With the country’s reform and opening, after a phase of rapid economic growth, at present, the speed of China’s economic growth has slowed, like other emerging economies, economic growth is bound to be in the fall, volatility will gradually narrowing, towards a new economic normality, the increasingly soft of external environment is bound to affect the commercial banks, and the popularity of Internet affect commercial bank profits in some extent,coupled with the People’s Bank of China announced the complete liberalization of lending rates and market-based interest rate in July 2013,which means that traditional commercial banking business profit margins will be significantly reduced, the financial market competition will be fierce, much-needed expansion of intermediary business of commercial banks to enhance the proportion of intermediary business revenue, the urgent need for business transformation, the asset management business in commercial banks is good at balancing the dilemma between the capital adequacy ratio and return on capital and expand business and increase the proportion of intermediary business revenue. Currently, however, the asset management business also encountered many obstacles, only to overcome obstacles, will the commercial banks effectively promote asset management business and taste the sweetness of a large information management era.Firstly, the article made a definition for asset management business of China’s commercial banks and described the asset pool mode, the status quo, innovative mechanisms. Secondly, explored financial institutions and asset management business model and its characteristics of large commercial banks in US and European countries.and then discover the distinguish between home and abroad and analyze the reasons. At the same time, learn the successful experience from foreign countries according to the current macroeconomic conditions in China.finally, there are two aspects of our asset management business of commercial banks in transition to make some specific recommendations from regulatory policy and commercial banks.