本科论文摘 要近年来，层出不穷的商业银行理财风险案件在社会上引起了广泛的关注。为了减少理财案件，使理财业务规范化运作，2018 年 9 月，《商业银行理财业务监督办法》应运而出，为商业银行理财业务的发展指明了道路，也为金融市场的发展奠定了基础。同时，商业银行理财业务也面临着新的挑战。本文以解读理财新规的变化为起点，按照“影响分析—对策建议”的整体框架展开研究。研究表明，新规在“理财新规”的可投资资产、价格水平、服务模式、信息披露等方面做出了具体规定；随着理财新规的逐步落实，商业银行理财业务规模不断扩大，银行在产品创新、产品形态、产品发行、投研能力、理财子公司建设方面均面临转型。关键字：“理财新规”，商业银行理财业务，理财子公司本科论文AbstractIn recent years, the emergence of commercial bank financial risk cases in the community has caused widespread concern. In order to reduce financial cases and standardize the operation of financial services, the measures for the supervision of commercial Banks' financial services were issued in September 2018, which pointed out the way for the development of commercial Banks' financial services and laid a foundation for the development of the financial market. At the same time, commercial Banks financial services are also facing new challenges.Starting from the interpretation of the changes in the new financial management regulations, this paper conducts research in accordance with the overall framework of "impact analysis -- countermeasures and Suggestions". The research shows that the new regulation has made specific provisions on the investable assets, price level, service mode, information disclosure and other aspects of the "new regulation on financial management". With the gradual implementation of the new financial management regulations, the scale of commercial Banks' financial management services is constantly expanding, and Banks are facing transformation ...
