I摘 要近年来，中国经济发展迅速，国民社会经济财富快速积累，银行理财受到了民众越来越广泛的关注，越来越多的人采用银行理财的方式管理自己的资产，以期实现资产的积累与价值创造。通过银行理财实现资产管理在居民财富的管理和实体经济的服务方面起着至关重要的作用，但是在发展中依然有着很多的问题，比如人才的缺乏，法律监管的不到位，分子公司分工不够精确等等。通过对其在发展完善过程中出现问题的分析，一系列监管政策逐一出台，为银行理财的合法合规提供了更加强有利的保障。2019 年就已经有银行获准进行理财子公司的筹建，这将成为筹建银行理财子公司的经验基础，银行理财子公司也将在 2020 年获得更好的发展，银行的资管业务将走上更加合法化的道路。 关键词：商业银行理财子公司；发展问题；解决策略IIAbstractIn recent years, with the rapid development of China's economy and the rapid accumulation of national social and economic wealth, bank financing has attracted more and more attention from the public. More and more people use bank financing to manage their assets in order to realize asset accumulation and value creation. The realization of asset management through bank financial management plays a crucial role in the management of residents’ wealth and the service of the real economy. However, there are still many problems in the development, such as the lack of talents, inadequate legal supervision, and inaccurate division of labor among molecular companies. Through the analysis of the problems in the process of development and improvement, a series of regulatory policies have been issued one by one, providing a more favorable guarantee for the legal compliance of bank finance. In 2019, some Banks have been approved to set up financing subsidiaries, which will become the experience basis for setting up financing subsidiaries of Banks. Banking financing subsidiaries will also achieve better development in 2020, and Banks' asse...
