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伴随着金融脱媒形势下大资管时代的到来,商业银行资产托管业务作为一种增进委托信任、降低交易成本、保障合同履行的制度安排呈现出跨越式快速发展的态势。资产托管业务从传统的服务于资本市场投资领域正在向服务于实体经济融资领域不断延伸,已经成为各家商业银行中间业务发展的新兴增长点和市场争夺点。与此同时,资产托管业务不仅市场潜力巨大,而且对于银行发展具有重要的现实意义。
With the advent of the era of big asset management in the context of financial disintermediation, the asset custody business of commercial banks presents a leapfrogged and rapid development as a institutional arrangement for enhancing trust in entrustment, lowering transaction costs and guaranteeing the performance of contracts. The asset custody business has been extending to serve the real economy financing field from the traditional field of service in capital market investment and has become a new growth point and a market competition point for the development of intermediate businesses of various commercial banks. At the same time, the asset custody business not only has great market potential, but also has important practical significance for bank development.