Research On The Development Of Commercial Bank's Asset Management Business Under The New Regulatory Policy

China's commercial banks' capital management business in ensuring the financial management requirements of residents,improve the performance of financial institutions,improve social financing channels,which has a certain role and value for the development of the real economy.However,for the same capital operation business management rules and standards are different,regulatory arbitrage activities appear many times,market risk is difficult to predict.The liquidity risk of capital pool model is high,many products become the channel of credit statement,and the amount of rigid cash has increased significantly.Current financial system supervision does not give full play to its own role and value,to a certain extent,restricting the development of financial entities.On April 27,2018,in order to make up for the shortcomings of supervision and improve the effectiveness of supervision,the State issued the?Guiding Opinions on Standardizing the Asset Management Business of Financial Institutions?.More stringent requirements have been put forward for China's capital management business,and the assets structure in the field of nearly 100 billion yuan capital management will undergo tremendous changes.With the implementation of the new regulations,commercial banks will be greatly restricted to invest non-standardized creditor's rights assets and equity investment business by means of asset management products.Under the situation that the traditional capital management business is gradually tightening,it is a major challenge for commercial banks to quickly find a breakthrough in capital management business for transformation.Under the background of the new supervision policy,this paper takes the rapid transformation and development of the capital management business of commercial banks as the starting point,and studies the basic theory system of the assets management business and the current operation mode of the assets management business in China.According to the new regulations,the challenges and problems faced by commercial banks in developing capital management business in the future are analyzed.Taking the transformation and development of asset management business under the new regulations of a state-owned commercial bank as a reference object,this paper points out the development trend of asset management business of commercial banks in China under the current new regulatory environment.It also puts forward some suggestions on the transformation and development of capital management business,which can improve the efficiency of asset management of commercial banks and promote the economic development of our country.