CAJ | 학술논문

商业银行凭借其资金、资源和渠道等优势，十年内从无到有、从粗放到规范，迅速发展成为国内资产管理行业最重要的市场主体。在金融改革加速推进的背景下，商业银行面临制度红利消失、竞争日趋激烈、资金稀缺和金融需求多样化等问题，轻资本占用的资管业务势必成为其寻求发展转型、谋取差异优势、探索新的经营模式和盈利模式的重要突破口。资管业务正在深刻改变着商业银行的业务结构、经营模式和发展方向。然而短时间内成长起来的银行资管业务在发展中还存在法律障碍、环境制约、管理混乱、创新不足、偏离本质等一系列主、客观问题，大资管时代下银行资管业务的发展转型亟需监管的规范和引导。从完善法制设计、培育金融市场、探究经营模式、加强监管协调、强化行业自律等角度，建立一套规范和引导银行资管业务健康有序发展的监管制度安排，有助于引导银行资管业务成为服务社会、服务实体的新动力和新模式。
상업은행빙차기자금、자원화거도등우세，십년내종무도유、종조방도규범，신속발전성위국내자산관리행업최중요적시장주체。재금융개혁가속추진적배경하，상업은행면림제도홍리소실、경쟁일추격렬、자금희결화금융수구다양화등문제，경자본점용적자관업무세필성위기심구발전전형、모취차이우세、탐색신적경영모식화영리모식적중요돌파구。자관업무정재심각개변착상업은행적업무결구、경영모식화발전방향。연이단시간내성장기래적은행자관업무재발전중환존재법률장애、배경제약、관리혼란、창신불족、편리본질등일계렬주、객관문제，대자관시대하은행자관업무적발전전형극수감관적규범화인도。종완선법제설계、배육금융시장、탐구경영모식、가강감관협조、강화행업자률등각도，건립일투규범화인도은행자관업무건강유서발전적감관제도안배，유조우인도은행자관업무성위복무사회、복무실체적신동력화신모식。
In the past ten years, with their funds, resources, channels and other innate advantages, commercial banks have become the main market players in asset management business. Under the background of accelerating financial reform, commercial banks would confront problems such as decreased institutional bonus, more intensive competition, much more scarcity offinancial resources and more diversified demand offinancial services. Asset management business with asset-light strategy is bound to be a significant breakthrough for the banks which are seeking transformation, gaining comparative advantages and exploring new profit models. Therefore, the development asset management business is profoundly changing the commercial banks' business structure, management model and development direction. As banks' asset management business has just grown up in very short time, there are some problems such as legal obstacles, environmental constraints, management confusion, lacking of innovations and etc.. Under the background of booming development of asset management business, the bank asset management business needs regulatory standards and guidance. In order to build the regulatory system which is essential in guiding the banks' asset management business into a healthy development, we need to foster financial market, explore business model and strengthen supervision and coordination.