资产管理业务是商业银行从存、贷、汇、兑向提供多元化和个性化的金融资产服务转变的核心业务,其奉市场机制为圭臬,以投资者和融资者需求为基础,依托现代信息业的发展和银行的风险管理经验,通过激励交易、产品细分和提高金融市场流动性,引导社会闲置资本投资,可以为中小企业提供量身定做和源源不断的信用供给,有助于改善我国金融体系对中小企业融资有效供给不足的状况,也为银行业促进民间投资和服务中小企业提供了新的思路和可持续的发展方向。 The asset management business is the core business of commercial banks to provide diversified and personalized financial asset services from deposits, loans, exchanges and exchanges. It is based on the market mechanism, and based on the needs of investors and financiers, relying on modern information. The development of the industry and the risk management experience of banks can provide tailored and continuous supply of credit to SMEs through the stimulation of transactions, product segmentation and enhanced liquidity in the financial markets, as well as the guidance of idle capital investment in society. The fact that the financial system has effectively provided insufficient financing for SMEs also provides new ideas and sustainable development directions for the banking industry to promote private investment and serve SMEs.