摘要《关于规范金融机构资产管理业务的指导意见》又称“资管新规”是由中国人民银行、银监会和证监会、国家外汇局在2018年4月份发布。资管新规中明确规定，银行必须突破刚性兑付，一旦产品发生亏损，所有的损失都要由客户来承担，所以理财产品不会再有保本、保息的功能，而是会向基金股票产品靠拢。规定商业银行经营理财业务的时候要归于本质，商业银行收取投资理财的收益行为需要给客户代理投资业务，投资人得承担风险。备受瞩目的资管新规的颁布，无疑是一颗重磅炸弹，预示着整个资管行业将会变得更加规范，将会改变行业的格局，改变商业模式，迈入一个新的百亿规模的时代。在资管新规则即将到来的今天，客户需求越来越多元化、层次化，渠道的优势越来越重要，也成为了资管产品市场的核心。从资管新规的角度，对贵阳市银行业的金融产品进行了研究，重点探讨了贵阳市银行业在资管新规下的需求效应，并设计了一份客户调查问卷。贵阳市居民应多了解相关理财政策信息、在安全的投资环境中进行投资、树立一个长期理财的目标，希望把本次实际调查分析所学的知识运用到以后的工作当中。加强对投资者的风险教育，加大银行理财产品的种类，创新更多理财产品满足客户需求，同时也要构建投资者保护机制，建立严格的信息披露制度，保证投资者的权益。关键词：资管新规；需求；投资偏好AbstractApril2018PBoC,CBRC,SFC,StateAdministrationofForeignExchange(SAFE),issuednewregulationsonassetmanagement.Requiringbankstooperateandsellwealthmanagementproductsneedstoreturntotheessence.Bankinvestmentbehaviorsareonlyconsideredasagencyinvestmentforcustomers,investorsbeartherisksbroughtbyinvestment,andbankschargewealthmanagementinvestmentfees.Theofficialintroductionofthemuch-anticipatednewregulationsonassetmanagementhascreatedathousandwaves,anditalsomarksthattheassetmanagementindustrywillalsooperateinamorestandardizedmanner.Thereshapingoftheindustrystructureandthetransformationofthebusinessmodelhaveenteredanewtrillion-dollarvolumeera.Commercialbankshavelaunchedhundredsofdifferenttypesoffinancialproductswithinafewyearsunderthenewcapitalmanagementpolicy,promotingthefinancialproductdevelopmentofChina'sbanksandgreatlysatisfyingthefinancialneedsofconsumersandprovidingbetterservicestocustomers.Withtheadventoftheeraofnewassetmanagementregulations,customerneedshavebecomemorediversifiedandhierarchical,andchanneladvantageshavebecomemoreandmoreimportant,whichisthekeytothedifferentiationofassetmanagementbusiness.Aquestionnairewasdesignedtoinvestigatethefactorsinfluencingresidents'demandforbankwealthmanagementproductsinGuiyangCityinthecontextofthenewregulationonassetmanagementforwealthmanagementproductsofbanksinGuiyangunderthebackgroundofnewassetmanagementregulations.Strengtheninginvestorriskawarenesseducationandpromotingthehealthydevelopmentofcommercialbanksandfinancialinstitutions.Surveyanalysisoftheimpactofdemandforbankfinancialproductsundertheinfluenceofthenewregulationoncapitalmanagement.Youshouldlearnmoreaboutrelevantfinancialpolicyinformation,First,fromthefinancialproductlevel,itisarelativelyfeasiblewaytograduallyintroducecorrespondingnetworthproductsbycustomertype.Thatistosay,bylaunchingcorrespondingnet-worthproductsfromtoptobottombystepstoinstitutionalcustomers,high-net-worthcustomersandordinaryindividualinvestors,toavoidcentralizedlaunchafterthetransitionperiod,andpassivelyfaceobviouscustomerlossandliquidityrisks.Second,changesinthesupply-sideenvironmentwillforceinvestorstodifferentiatetheirneedsmoreclearly,anditmaybedifficultforasinglewealthmanagementproducttomeettheincreasinglydiversifiedinvestmen...
