行业变革下理财子公司的机遇和挑战

随着资管新规、理财新规和理财子公司管理办法的相继颁布,我国资产管理行业迎来了重大的变革。2019年,理财子公司陆续成立,作为一种全新的资产管理机构,因为体量大、背景深,对整个资管行业将产生重大影响。理财子公司成立于行业发生重大变革的背景下,面临着经营模式转型、关系重新定位、人才系统欠缺、能力亟待提升等方面的挑战,但同时也有市场机遇、政策机遇和转型机遇等方面的有利条件。面对行业变革带来的机遇和挑战,理财子公司要通过做好自身定位、打造合作共赢生态圈、建设三大体系、构筑四大基础,为客户和企业提供一站式金融服务。

Opportunities and Challenges of Wealth Management Subsidiaries Under Industry Change

With the successive promulgation of new rules for asset management, new rules for wealth management and management measures for wealth management subsidiaries, China’s asset management industry has ushered in major changes. In 2019, wealth management subsidiaries were successively established as a new type of asset management institution. Because of its large size and deep background, it will have a significant impact on the entire asset management industry. The wealth management subsidiary was established against the background of major changes in the industry. Although it is faced with challenges such as business model transformation, relationship repositioning, lack of talent systems, and urgently need in improving capabilities, there are also favorable conditions in terms of market opportunities, policy opportunities, and transformation opportunities. Facing the opportunities and challenges brought about by industry changes, wealth management subsidiaries should provide customers and enterprises with one-stop financial services by positioning themselves in a proper place, building a win-win cooperation ecosystem, building three major systems, and constructing four foundations.