Research On Asset Management Business Development Of Commercial Banks In The Big Asset Management Era

With the high speed pace of market-oriented interest rate reform,the rapid development of online financing,deposit insurance system introduced in,the cancellation of the deposit insurance system and financial disintermediation is sharpping,the commercial bank's trend of transiting into wealth management,investment banking,asset securitization become more and more obvious.the space of traditional making profit become more and more narrow,asset management business will become a new way of earning profits.At the same time,a new system of dividend and the market environment,further blurring the border of major financial institutions such as the securities,funds,trust,insurance business,the asset management industry enter into the great information age.From the capital,with the continuous improvement of people's living standard,the steady accumulation of wealth,the deepening of the financial investment consciousness,the existing investment management tools increasingly rich,high net worth population demand for asset allocation and capital investment scope is also becoming increasingly diversified.The diversification of demand bounds to promote asset side innovation as well as to provide diversified products and channels.Firstly this article introduce the asset management related concepts and the characteristics of great information age,referring to each big industry research report and literature,to analysis the business development of the overall situation of the current asset management institutions.Secondly,give a brief review of domestic commercial bank financial products development history and current situation of the development,analysis the recent years,present situation of bank financing business,explore the existing risk point,and then through the main information institutions asset management business,found the gap between bank financing business and other institutions,Combining the advantage of commercial bank circumstance itself,to offer a gist for bank financial management under the big information era.In the end,from the CBRC latest finance regulatory policy paper and the situation that commercial bank itself to predict the new trend of commercial bank financial management as well as making measures to improve.