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。%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.
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