资管新规对商业银行理财业务的影响——以中信银行为例.docVIP

PAGE PAGE 18 毕业论文中文摘要 资管新规对股份制银行理财业务的影响——以中信银行为例 摘要： 进入新世纪以来，我国经济不断发展，使得资管业务不断发展壮大。而作为资管业务之一的银行理财业务，可以基本满足社会各界的投资、融资需求，且在一定程度上支持了我国实体经济的发展。但是近几年来，由于商业银行理财业务自身发展特点，以及缺乏规范性文件指导。资管业务发展不规范、多层嵌套、影子银行、刚性兑付等问题在商业银行中普遍出现。 资管新规的出台在是一把双刃剑，它使得商业银行理财业务原有的发展模式受到挑战，但同时也为银行理财业务转型提供了机遇。本文以股份制商业银行中的中信银行理财业务作为具体案例，运用逻辑分析、数理统计、总结归纳等的方法去研究资管新规对中信银行理财业务的发展的影响。对资管新规出台后其遇到的机遇和挑战进行分析，提出股份制商业银行应对理财业务发展变化的措施建议。 关键词：资管新规 理财业务 商业银行 毕业论文外文摘要 Title The Impact of New Regulations on Financing Business of Joint-stock Banks: A Case Study of CITIC Bank Abstract: Since the beginning of the new century, Chinas economy has continued to develop, making the asset management business continue to grow and develop. As one of the asset management businesses, the bank wealth management business can basically meet the investment and financing needs of all sectors of society, and to some extent support the development of Chinas real economy. However, in recent years, due to the development characteristics of the commercial banks wealth management business, and the lack of normative documents. The development of asset management business is not standardized, multi-level nesting, shadow banking, rigid redemption and other issues are common in commercial banks. The introduction of the new regulations on asset management is a double-edged sword, which has challenged the original development model of commercial banking wealth management business, but also provided opportunities for the transformation of bank wealth management business. This paper takes CITIC Banks wealth management business in joint-stock commercial banks as a specific case, and uses logic analysis, mathematical statistics, summary and other methods to discuss the impact of new asset management regulations on the development of joint-stock bank wealth management business. It analyzes the opportunities and challenges of the bank wealth management business after the introduction of the new reg