资管新规下 G银行理财业务发展策略研究
摘
要
近十年，中国金融行业发展迅速，在这一发展机遇下，银行、证券公司、基金、信
托等金融机构迎来了发展的春天。在中国金融分业经营体制之下，不同类型的金融机构
都开始重视起了资产管理业务，纷纷扩张规模，以求得在市场排名中位于前列。逐渐金
融机构间的资金空转，并导致金融杠杆率提升，也对实体经济和金融机构本身的经营带
来不利影响。为了降低金融行业资产管理业务无序发展带来的潜在金融系统性风险，我
国于 2018年颁布了《关于规范金融机构资产管理业务的指导意见》，该意见的发布标
志着我国金融行业中的资产管理业务进入了一个新时期。银行理财是资产管理业务重要
组成部分。时至今日，国有股份制银行和大型城市商业银行纷纷都在进行着理财业务的
转型发展，陆续成立了理财子公司独立运营理财业务，而理财业务规模小的 G银行在发
展过程中面临着不同程度的困难，如何突破找准理财业务发展途径是本文研究目的。
本文通过比较分析法，数据分析法等研究方法，对中国银行的理财业务发展进行研
究，提出了资管新规将对理财业务产生的影响，并分析了 G银行理财业务发展现状。利
用 SWOT分析工具，通过分析 G银行理财业务发展优劣势、当前面临的外部机遇和挑
战，从投资端、产品端、销售端、运营端等方面提出发展策略。另外，为保障发展策略
的顺利实施，G银行还需要一是要尽快成立自己的子公司，加快理财业务发展的总体布
局，二是加大银行发展动力的源泉人才队伍的建设培养，三是服务客户是第一要务，加
强投资者教育，四是做好风险管控，取得投资者信任。
资管新规是挑战也是机遇，G银行积极面对挑战把握机遇，势必在理财业务形成特
色。
关键词：资管新规；商业银行；理财业务；发展策略
I
Abstract
Abstract
In the past ten years, China's financial industry has developed rapidly. Under this
development opportunity, financial institutions such as banks, securities companies, funds,
and trusts have ushered in the spring of development. Under the separate operation system of
China's financial industry, different types of financial institutions have begun to attach
importance to asset management business and have expanded their scales in order to be at the
forefront of the market rankings. The gradual idling of funds between financial institutions
has led to an increase in the financial leverage ratio, which also has an adverse impact on the
real economy and the operation of financial institutions themselves. In order to reduce the
potential financial systemic risks brought about by the disorderly development of the asset
management business in the financial industry, my country promulgated the"Guiding
Opinions on Regulating the Asset Management Business of Financial Institutions" in 2018.
The management business has entered a new era. Bank wealth management is an important
part of asset management business. Today, state-owned joint-stock banks and large city
commercial banks have been transforming and developing their wealth management business.
They have successively established wealth management subsidiaries to operate their wealth
management businessindependently. However,GBank, whichhas asmall wealth
management business, is facing difficulties in the process of development. Different degrees
of difficulties, how to break through and find the development path of financial management
business is the research purpose of this thesis.
Through comparative analysis, data analysis and other research methods, this thesis
studies the development of Bank of China's wealth management business, proposes the
impact of new asset management regulations on wealth management business, and analyzes
the development status of Bank G's wealth management business. Using SWOT analysis tools,
by analyzing the advantages and disadvantages of G Bank's development, current external
opportunities and challenges, it summarizes and proposes development strategies from the
investment side, product side, sales side, and operation side. In addition, in order to ensure the
smooth implementation of the development strategy, Bank G also needs to establish its own
subsidiary as soon as possible to speed up the overall layout of wealth management business
development; Customers are the first priority, strengthen investor education, and fourthly, do a
good job in risk management and control to gain investor trust.
The new regulations on asset management are both challenges and opportunities. G Bank
II
资管新规下 G银行理财业务发展策略研究
actively faces the challenges and seizes the opportunities, which is bound to form a unique
feature in the wealth management business.
Key Words: New Asset Management Regulations; commercial bank; Financial business;
Development Strategy
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