资管新规对贵阳市银行理财产品需求影响分析

资管新规对贵阳市银行理财产品需求影响分析摘要《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AbstractApril 2018 PBoC,CBRC,SFC,State Administration of Foreign Exchange (SAFE),issued new regulations on asset management.Requiring banks to operate and sell wealthmanagement products needs to return to the essence.Bank investment behaviors are onlyconsidered as agency investment for customers,investors bear the risks brought byinvestment,and banks charge wealth management investment fees.The official introductionof the much-anticipated new regulations on asset management has created a thousand waves,and it also marks that the asset management industry will also operate in a more standardizedmanner.The reshaping of the industry structure and the transformation of the business modelhave entered a new trillion-dollar volume era.Commercial banks have launched hundreds ofdifferent types of financial products within a few years under the new capital managementpolicy,promoting the financial product development of China's banks and greatly satisfyingthe financial needs of consumers and providing better services to customers.With the adventof the era of new asset management regulations,customer needs have become morediversified and hierarchical,and channel advantages have become more and more important,which is the key to the differentiation of asset management business.A questionnaire was designed to investigate the factors influencing residents'demand forbank wealth management products in Guiyang City in the context of the new regulation onasset management for wealth management products of banks in Guiyang under thebackground of new asset management regulations.Strengthening investor risk awarenesseducation and promoting the healthy development of commercial banks and financialinstitutions.Survey analysis of the impact of demand for bank financial products under theinfluence of the new regulation on capital management.You should learn more about relevantfinancial policy information,First,from the financial product level,it is a relatively feasibleway to gradually introduce corresponding net worth products by customer type.That is to say,by launching corresponding net-worth products from top to bottom by steps to institutionalcustomers,high-net-worth customers and ordinary individual investors,to avoid centralizedlaunch after the transition period,and passively face obvious customer loss and liquidity risks.Second,changes in the supply-side environment will force investors to differentiate thei