Research On The Transformation And Development Of Commercial Bank’s Financial Services Under The New Regulation Of Capital Management

The essence of commercial Banks’ financial services is asset management,that is,commercial Banks provide investors with personalized comprehensive financial services,broaden investors’ investment channels,and realize the maintenance and appreciation of assets.In terms of bank information technology products,the major is financial management products,according to September 26,2018 promulgated the "measures for the financial supervision and management of commercial Banks(that is,the" financial management new rules "),the financial product refers to the commercial Banks in accordance with the contract conditions and the actual investment earnings paid to investors earnings,is no guarantee that the principal payments and income level of capital preservation products.In 2004,China everbright bank issued the first wealth management product of a domestic bank,which started the development process of financial management services of domestic Banks.Therefore,2004 is regarded as the " first year " of domestic financial management services.In recent years,with the rapid development of capital management business,it plays a positive role in promoting economic development.At the same time,it also gives rise to hidden " rigid payment ",regulatory arbitrage between capital management products,and non-standard development of capital management business from real to virtual due to the non-uniform regulatory standards under the separate supervision system.At the same time,with the change of economic environment,the gradual deepening of the era of big capital management and the further strengthening of industry supervision,bank financing began to face the problem of " asset shortage " and gradually lower returns from closed financing.In this background,on April 27,2018,the pedestrian,the CSRC,silver circ jointly issued the " on a standard financial institutions in the asset management business guidance,in accordance with the unified the type of asset management products and services the whole of the information technology industry regulatory policy and caliber,opened a new era of information technology industry.In this paper,development of the commercial bank asset management business and the reality,based on information technology under the new rules on the study of the theory of the commercial bank financing business transformation development,combined with China’s banking sector financial market annual report data is analyzed,and with China construction bank branch in H province as the research object,from the commercial bank financing business development background,development present situation,the facing problem and the transformation direction of research,problem oriented,using SWOT analysis method,it is concluded that under the new regulatory situation,China construction bank financial products with high brand value,channel diversification,However,there are also many problems such as outstanding product homogeneity,insufficient research and development ability,imperfect financial service system,fierce competition in the financial management market,and breaking the crisis of trust between the firm and the latent deposit.China construction bank plays an important role in playing the function of financial services and supporting the development of real economy.Therefore,China construction bank should pay more attention to the impact of new capital management rules on it,pay more attention to the problems it faces in its current development,and focus on the next development direction.According to the spirit of the report of the 19 th national congress and the instructions of the central economic conference,"deepening the reform of the financial system,strengthening the capacity of the financial sector to serve the real economy,increasing the proportion of direct financing,and promoting the healthy development of the multi-tiered capital market" has become the main keynote of China’s financial development and the theme of reform.For a long time,China construction bank information has always been firmly grasp the national industrial policy,to create customer value,the key support of the industrial structure adjustment and technology upgrade and actively guide social capital to the important areas of the national economy,the implementation of the national macroeconomic regulation and control policy,following the country’s economic development strategy,realizes the direct financing of the real economy server functions.Based on the above background,facing the new situation,to better play to the big bear and exemplary role,this paper puts forward the corresponding countermeasures and Suggestions on the development of financial business transformation: first of all should be combined with the external environment,the new changes and new requirements,regulatory policies determine financial business transformation scientific path of development,guide the financing business return to the origin of valet financial management,clear net financial development status,determine the development direction of bond products,to return to "the people,valet financial" of nature;Secondly,through the establishment of financial subsidiary,the group can realize the leapfrog development of financial transformation.Meanwhile,it can constantly improve its professional investment and research ability and improve its risk management system to establish a professional financial service system.Finally,through practicing innovative development path,keeping pace with The Times,optimizing comprehensive service level,guiding investors to establish the concept of "income and risk sharing" and promoting the transformation and development of commercial Banks’ financial services.Through the proposal of the above relevant Suggestions,from the point and surface,to see the big,in the hope of providing reference and help to the operators of commercial Banks and researchers on related issues.