Research On The Transformation Of City Commercial Banks' Financial Services Under A New Rule Of Asset Management

The structure of asset management products has become more and more complex in recent years,and multi-layer nested,avoid the restrictions of regulatory indicators,financial products have emerged in endlessly.This not only brings great troubles to investors in identifying investment risks,but also brings great difficulties to the financial supervision of the regulatory authorities.It also gives us great challenges in systemic financial risks controls.Based on the above phenomena,China has put forward the idea of unified financial supervision at the national level.Various supervision documents have been published intensively,especially the State Foreign Exchange Administration of the China Securities Regulatory Commission,the People's Bank of China Insurance Regulatory Commission,the People's Bank of China.The council's guidance on standardizing the assets management business of financial institutions(known as the "new regulations" in the industry)is the most representative and has the most profound impact on the assets management business of financial institutions.Based on the characteristics of city commercial bank's financial management business(asset management business),the difficulties and challenges faced by city commercial banks under the new regulations are even greater.Compared with other asset management institutions,city commercial banks play an indispensable role in serving local economy and regional economy,and they make up for our country's funds,so we must attach great importance to the impact of the new capital management regulations on the financial services of city commercial banks,and pay great attention to the direction of the financial services of city commercial banks under the new capital management regulations.Based on the theoretical research on the transition and development of the financial services of urban commercial banks under the new assets regulation and the data published in the annual report of China's banking financial market,this paper analyzes the data and tries to take the typical Inner Mongolian banks of China's urban commercial banks as an example.The development context of the industry,the problems faced by the financial management business of city commercial banks,the difficulties faced by the transition and development of the financial management business of city commercial banks under the new capital management regulations,and the development trend and transition path of the next financial management business of city commercial banks are studied.Based on this,the management of city commercial banks under the new capital management regulations is put forward.Then,Suggestions on the transition and development of financial business are expected to provided.it also can help the operators of city commercial banks,the supervisors of city commercial banks and the researchers of city commercial banks for their actually works.