【银行资管大有可为】
当前，银行资管市场在资产端为实体经济提供关键融资通道，在负债端为投资者创造持续价值。
随我国金融监管思路深化，银行资管业务呈现规范化趋势。
制度上，“资管新规”及其配套制度推出，监管架构更完善，业务机制更健康。
风控上，“刚性兑付”等问题改善，风险防控明显提升。
产品上，除传统外，资管丰富了多样产品，加强海外布局。
至2023年6月底，我国净值型资管产品存续规模达24.31万亿元，占比95.94%。
资管不仅增强自身，更助力实体经济高质量发展。
至2023年6月，资管产品支持实体经济资金约19万亿元，ESG主题资管产品存续规模1586亿元，绿色债券投资超2300亿元。
但银行资管面临结构性问题：大部分投资者为个人，权益性产品占比低，净值型产品转型受阻。
应多方助力资管服务实体经济。
需丰富产品布局，强化与其他金融机构合作，提高服务能力，助力养老体系建设，拓展全球资产配置。
加深投资者适当性管理，提供个性化服务，引导风险防范。
进一步支持实体经济，聚焦关键领域，引导资金流向重点环节。
还需双端发力，加强风险管控，强化内控与风险防控，保护投资者权益，严惩市场违法行为。
（唐加文）
【 Bank asset management promising 】
At present, the bank asset management market provides key financing channels for the real economy on the asset side and creates sustained value for investors on the liability side.
With the deepening of our country's financial supervision ideas, bank asset management business presents a standardized trend.
Institutionally, the "New Regulations on Asset Management" and its supporting systems have been launched, with a better regulatory framework and a healthier business mechanism.
In terms of risk control, problems such as "rigid payment" have been improved, and risk prevention and control have been significantly improved.
In terms of products, in addition to the traditional, the asset management has enriched a variety of products and strengthened the overseas layout.
By the end of June 2023, the surviving scale of China's net worth asset management products reached 24.31 trillion yuan, accounting for 95.94%.
Asset management not only strengthens itself, but also helps the high-quality development of the real economy.
By June 2023, asset management products will support the real economy by about 19 trillion yuan, ESG-themed asset management products will remain in existence by 158.6 billion yuan, and green bond investment will exceed 230 billion yuan.
However, bank asset management faces structural problems: most investors are individuals, the proportion of equity products is low, and the transformation of net worth products is blocked.
We should help the asset management to serve the real economy.
It is necessary to enrich product layout, strengthen cooperation with other financial institutions, improve service capabilities, help the construction of pension systems, and expand global asset allocation.
Deepen investor suitability management, provide personalized services, and guide risk prevention.
We will further support the real economy, focus on key areas, and guide the flow of funds to key links.
It is also necessary to strengthen risk management and control, strengthen internal control and risk prevention and control, protect investors' rights and interests, and severely punish market violations.
