Research On The Impact Of The New Regulations On Asset Management On The Asset Management Business Of Commercial Banks

With the rapid development of our country’s economy,the continuous deepening of interest rate liberalization reform,and the continuous improvement of residents’awareness of financial management,asset management business has developed rapidly with its own advantages such as light capital management.Especially for commercial banks,long-term financing costs have risen,and loan interest rates have continued to decline.It is a strategic business that competes with various financial institutions,challenges financial intermediaries,increases middle income,and promotes business transformation.On April 27,2018,the People’s Bank of China and other regulatory agencies officially issued the "Guiding Opinions on Regulating the Asset Management Business of Financial Institutions".This means that the asset management business of commercial banks will gradually return to their original "financial institutions".However,in this process,the speed at which commercial banks can develop and supervise their asset management business while strictly abiding by the new regulations on asset management,coupled with its unique development characteristics,is still a topic worthy of discussion.This thesis summarizes the outline and core views of the new asset management regulations,and analyzes in detail the impact of the new asset management regulations on the asset management business of commercial banks.This thesis analyzes the challenges faced by commercial banks’ asset management business development from four aspects,and finally combines the experience of M Bank’s asset management business development with the development characteristics and influence of commercial banks.Under the new regulations on asset management,specific measures for commercial banks to carry out asset management business are proposed.