论文部分内容阅读
对普通投资者而言,单一渠道的理财时代已一去不返。伴随着中国经济的飞跃,财富管理市场显露出巨大需求,众多机构与个人都需要更丰富、更多元化的资产管理渠道。在此背景下,自2012年5月开始,相关监管部门一再出台松绑措施,扩大投资范围、降低投资门槛,以及减少相关限制。一年来,证券公司、期货公司、基金公司、银行、保险公司、信托公司之间的竞争壁垒正慢慢被打破,中国的资产管理行业迎来了一轮放松监管、业务创新的浪潮。所谓的“大资管”是对人民群众资产自主管理的简称,即大众对存款、外汇、股票、基金、信托、保险等财富的管理。
For ordinary investors, the single-channel financial management era has gone forever. With the leap in China’s economy, the wealth management market has revealed a huge demand. Many organizations and individuals need richer and more diversified asset management channels. In this context, since May 2012, the relevant regulatory authorities have repeatedly released measures to relax the investment range, lower the investment threshold, and reduce the relevant restrictions. In the past year, competition barriers between securities companies, futures companies, fund companies, banks, insurance companies and trust companies are slowly being broken. China’s asset management industry ushered in a wave of relaxation in regulation and business innovation. The so-called “big asset management ” is an abbreviation for the people’s assets self-management, that is, the public management of deposits, foreign exchange, stocks, funds, trusts, insurance and other wealth.