Research On The Development Of Outsourcing Business Of China Commercial Bank In The Era Of “big Capital Management”

Since May 2012,with the concept of "relaxing control and promoting innovation",it has formed a development pattern of top-down industry deregulation and bottom-up exploration breakthrough,and China's financial market has entered into the era of "Wide Asset Management",China's asset management industry is entering a period of rapid development.At the same time,with the continuous development of the financial marketization process and the increasingly fierce competition among commercial banks,the traditional business of commercial banks reduces the interest spreads of deposit and loan,and the business returns have been reduced,so that commercial banks have started to focus on the development of intermediary business and off-balance sheet business to achieve diversified operation.At this time,the commercial bank financing business obtains the rapid growth opportunity.However,the relatively weak asset management capability of commercial banks,especially small and medium-sized commercial banks,is not compatible with the rapid expansion of bank financial scale,which leads to the disadvantage of commercial banks in competition with other asset management institutions.In the era of "Wide Asset Management",the bank will be able to solve this contradiction,and be in a favourable competitive position in the asset management market,in addition to enhancing the ability to self-operate by enhancing professional talent training and product innovation,another feasible way is to carry out the outsourcing business of the bank,through the professional advantage of the professional asset management organization,so that the bank's asset management business can develop Steadily and sustainablyCommercial banks' outsourcing business refers to the investment business model that commercial banks give the money to external institutions and the managers of external institutions conduct active management in accordance with the agreed investment scope.Its investment scope and investment duration are very flexible,it can be customized according to the requirements of the commercial banks.This article discusses the development of commercial banks' outsourcing business in the era of "Wide Asset Management",based on our country commercial banks' financing business' environment,such as new changes and new regulatory,and combined with the typical case to further systematic research problems in the development of the outsourcing business of commercial bank.Finally,it puts forward relevant policy suggestions and preventive measures for the sustainable and healthy development of China's commercial banking committee,which is to clear the autonomy of the bank's outsourcing business through the supervision department in order to prevent the regulatory arbitrage and financial idling.The entrusted institution should construct a perfect external risk management framework to effectively control the credit risk and liquidity risk outside the committee.Commercial Banks should evaluate the investment ability,risk control,investment performance and other aspects of the trustee from their own situation,and improve the selection ability of the entrusted institutions;Commercial Banks should explore to establish complete outsourcing investment management system and strengthening the construction of the relevant personnel outsourcing in order to improve the investment efficiency,reduce the management risk,protect the interests of investors.