Research On The Development Countermeasures Of China Merchants Bank’s Financial Management Business Under The Background Of The New Rules Of Capital Management

Due to the increase of residents’ wealth accumulation and the continuous decline of bank deposit interest rate in recent years,the financial management business of commercial banks in China has been growing rapidly,especially in recent years,even showing wild development.However,with the wild development of commercial bank financial business,a series of drawbacks continue to appear,leading to the continuous introduction of regulatory measures for commercial bank financial business.Under this historical background,the guidance on standardizing the Asset Management Business of Financial institutions(hereinafter referred to as the "New rules of Capital Management")emerges as the times require.It is the first framework rule for the asset management industry,and the financial management business is a kind of asset management business.Important sub-business,so the new regulations of capital management are of great significance to the reconstruction of financial management business of commercial banks.The financial business of China Merchants Bank is more mature in the financial business of all commercial banks.In order to study the countermeasures of the development of financial management business of commercial banks under the background of the new rules of capital management,this paper first analyzes the present situation and existing problems of financial business of China Merchants Bank,and then takes China Merchants Bank as an example,through the method of literature research,drawing lessons from the previous experience,to understand the connotation and extension of bank financial management business under the background of constantly changing supervision.Through the case analysis,this paper analyzes the countermeasures of China Merchants Bank’s financial management business after the introduction of the new capital management rules,and draws up the development countermeasures of China Merchants Bank’s financial management business under the background of the introduction of the new capital management rules.Class commercial banks draw lessons from them.This paper expounds the countermeasures of China Merchants Bank’s financial management business under the background of the new regulations of capital management from the aspects of product side,asset side,system construction and organizational structure,and analyzes the effect and risk of the countermeasures of China Merchants Bank’s financial management business.According to the development countermeasures of China Merchants Bank’s financial management business,the enlightenment is to strengthen the disclosure of the information related to the new rules of capital management,to establish the strategy of net value management,to speed up the establishment of bank capital management subsidiaries and to rely on financial science and technology to improve the competitiveness of financial management business.