关于银监会8号文之解读

为规范商业银行理财业务投资运作,银监会发布8号文,从非标准化债权资产的界定、理财产品与投资资产的对应、信息披露、规模控制、管理流程等不同角度,防范化解理财业务风险。8号文的出台对商业银行、非银行金融机构及投资者产生了多方面影响,可能导致银行强弱的进一步分化,促进理财产品的研发创新,以券商为主的非银行金融机构将长期受益。各银行、非银行金融机构及投资者应积极寻求应对措施,充分利用新规的利好空间。

Interpretation of the Eighth Document of the CBRC in 2013

In order to regulate investment operations of wealth management businesses of commercial banks,the CBRC issued the 8th document in2013.This document aims to prevent financial risks in wealth management businesses by means of defining non-standardized creditors assets,corresponding relationship between wealth-management products and invested assets,information disclosure,scale control,management process,and so on.The 8th document has exerted multiple effects on commercial banks,non-bank financial institutions,and investors as well.It may also lead to polarization of banking institutions and innovation of financial products.Non-bank financial institutions will benefit in the long term.Banking and non-bank financial institutions as well as investors should actively seek countermeasures so as to make full use of the favorable space resulted from new regulations.