Research On The Development Of ZL Bank's Financial Management Business Under The New Regulation Of Capital Management

In November 2017,the people's bank of China jointly issued the draft guidelines on regulating the asset management business of financial institutions(hereinafter referred to as the new regulation on asset management).As an important measure to promote the standardized and healthy development of Banks' financial services,the new regulation on capital management promotes the unification of supervision standards on capital management products and puts forward higher requirements for the transformation and development of commercial Banks' financial services.In recent years,ZL bank financial market continues to develop at a high speed,with the total amount approaching 10 billion yuan.However,since 2017,the expansion of wealth management business has nearly stalled under the constraints of the new regulations on asset management.Exist in trade financing under the new rules to limit drop-off serious,non-standard business face a greater risk of regulatory pressure and excessive exposure,standardized business seek short-term interests,lack of emphasis of rights and interests of products not only make the cumulative risks in the financial system,also affects the efficiency of resource allocation in financial markets,increase the risk of moral hazard.As for ZL bank's many problems in its financial services,the first step is to increase investment in investor education and cultivate financial customers' acceptance of the "non-break-even,net worth" transformation of bank financial services under the new regulations on capital management,so as to lay a foundation for the overall transformation of financial services.Secondly,we should speed up the application for relevant business qualification.For example,capital preservation financing is totally prohibited under the new regulation on capital management.Only through the application of financial derivatives qualification can we carry out the structured deposit business that can replace capital preservation financing.Third,as the business varieties that are strictly regulated by the new regulation on asset management,non-standard business is essentially a kind of regulatory arbitrage,and "non-standard return table" or "non-standard transfer to standard" is the only way for non-standard business to be restricted by the new regulation.Finally,standardized business and rights originally valued degree is insufficient,ZL bank investment are set at a disadvantage compared with peers and related infrastructure,in financial management "to just the net," big background,only by increasing resources,with technology to promote standardization business investment research ability,to focus on to make up for short.In this paper,the current "information technology new rules on bank financing business on the basis of the specific requirements,for the ZL bank under the background of strict regulatory financing business from fundraising to throw out the whole process of facing the challenges and changes,ZL bank financing business from multiple aspects of the original business model under the new regulatory situation faced by the impact,and connecting with the domestic other transformation scheme of the same size of commercial bank,puts forward the suitable for ZL bank financing business improvement strategy,thus for ZL bank financing business development under the new rules on information technology to provide guidance,also for the other to provide reference for the transformation of commercial bank financing business scale,At the same time,it provides materials for the theoretical research of commercial Banks' financial services and provides reference for the regulatory authorities.