The Research On Transformation Of Asset Management Business Of Bank A Under The New Regulations Of Asset Management

In recent years,due to the instability of international economic development and the slowing down of economic development,many problems have arisen in banking financial management,such as loopholes in business supervision system and irregularities in business management,which are not conducive to the stable development of the economy.How to solve the chaos of asset management business and make banking operation more safe and stable has become a key task of the regulatory authorities.On April 27,2018,the State Supervision Department promulgated the "Guiding Opinions on Regulating Asset Management Business of Financial Institutions"(hereinafter referred to as: New Asset Management Regulations),which issued new regulations on asset management,which provided more detailed information on the financial management business of commercial banks,including asset management business.Operating methods.The introduction of new policies will have a tremendous impact on the asset management business of domestic commercial banks.Faced with the rigid requirements of the policy,how to promote the optimization and upgrading of the banking asset management business from its own perspective,in order to better adapt to the new policy environment and development trend,has become an important research direction.Based on the policy of new regulations,this paper analyzes the current situation of asset management business of Bank A,including the development course of asset management business,the operation mode of bank asset management business,and summarizes the existing problems of bank asset management business,mainly including the Bank Asset Management Business Law.The status of legal subject is not clear,the operation mode of bank asset management business is still defective,and the risk management system suitable for asset management business has not yet been formed.Then,it analyzes the impact of the new asset management regulations on the bank’s asset management business,including the formation of a unified regulatory standard,eliminating multiple levels of nesting,reducing regulatory arbitrage,net value management to break the rigid redemption,and promoting the transformation of the bank’s wealth management pool.The general development direction of domestic commercial banks under the new policy and new environment is clearly defined.Combining with the problem of bank asset management,this paper puts forward the development strategy of asset management business transformation of China’s commercial banks,which mainly includes promoting the transformation of various types of assets investment and research,promoting the transformation of net value of products,and promoting the transformation of risk management system,so as to provide reference for China’s banking industry to better adapt to the new policy environment.