和讯网消息 日前，由北京仲裁委员会举办的“金融法律实务论坛第二期”在北京举行。此次论坛的主题是“多元监管下的资产管理业务及其争端解决”，来自多家券商、基金、银行、信托等金融机构代表参与了论坛讨论。多位代表呼吁改变目前资产管理的多元监管模式为统一监管。

HeXunWang news recently,By the Beijing arbitration commission of the host"The second phase of the financial law practice BBS"Held in Beijing.This is the theme of the BBS"Multiple supervised the asset management business and dispute settlement",From several brokers/fund/The bank/On behalf of the trust, and other financial institutions involved in the BBS discussion.Deputies calls for change the current asset management of multiple regulatory mode for unified supervision.

　　近年来，资产管理业务（又称理财和财富管理业务）增长迅猛，迎来诸侯争霸时代。2012年商业银行理财业务和信托业务总规模超过20万亿元，同比增长幅度超过50%；证券公司资产管理业务、基金公司管理公司的公募基金及其特定资产管理业务也获得较大发展，18家期货公司亦于2012年底获得资产管理业务证券业务资格；保险行业资产管理总额超过7万亿元。

In recent years,Asset management business(Also called finance and wealth management business)Rapid growth,Governors in ii era.2012 commercial bank financial business and trust business scale of total more than 20 trillion yuan,Year-on-year growth rate of more than 50%;Asset management business of securities companies/Fund management company's public offering fund and its specific asset management business also get bigger development,Eighteen futures companies also at the end of 2012 for asset management business of securities business qualification;The insurance industry total asset management more than 7 trillion yuan.

　　资产管理的迅猛发展也会监管带来挑战，围绕着资产管理业务的监管法规不断推陈出新。新的《证券投资法基金法》正式将私募基金纳入监管范畴，《商业银行理财产品投资运作管理办法》及《商业银行理财产品信息披露管理办法》即将出台，《信托投资公司资金信托管理暂行办法》、《证券公司客户资产管理业务试行办法》及《基金管理公司特定客户资产业务试点办法》面临修订，《保险资产配置管理暂行办法》及《期货公司资产管理业务试点办法》刚获通过。

The rapid development of asset management regulation will also bring challenges,Around the asset management business supervision regulations constantly.The new[Securities the law of investment funds]Formally incorporated into private equity fund supervision category,[Commercial bank financing products investment operation management measures]and[Commercial bank financing products information disclosure management measures]upcoming,[The trust and investment companies interim measures for the administration of the trust funds]/[Customer asset management business of securities companies try out method]and[A fund management company specific customer assets business pilot measures]Face revised,[Insurance interim measures for the administration of asset allocation]and[The futures company asset management business pilot measures]Just get through.

　　研讨会上，多位嘉宾表示，目前中国的金融混业经营、混业监管模式给资产管理发展带来阻碍。目前资产管理业务分别由银监会、证监会、保监会以及发改委监管。而各金融机构从事资产管理业务各有制度上的优势和劣势，在市场准入、投资范围、运作模式、审批效率方面不尽相同，导致市场竞争规则和投资者保护处于不利境地。其实多年前，全国人大财经委副主任吴晓灵女士就多次呼吁建立资管统一监管规则。

conference,Guest said more than,At present China's financial mixed operation/Mixed supervision mode to asset management development brings obstacles.At present the asset management business by the banking regulatory commission (CBRC), respectively/CSRC/The China insurance regulatory commission and the development and reform commission (NDRC) regulation.And all financial institutions engaged in asset management business each have advantages and disadvantages of the system,In the market access/Investment scope/Operation mode/The examination and approval efficiency is not the same,Lead to market competition rules and investor protection disadvantaged.In fact many years ago,The National People's Congress deputy director of the CaiJingWei WuXiaoLing lady calling for many times (tube unified regulatory rules.

　　多头监管带来的一大问题是不利于系统性风险的防范和化解。近期华夏银行(600015,股吧)代销“中鼎财富投资中心入伙计划”和中鼎财富一号“等中鼎系列理财产品引发的银行理财业务危机便是其中一例。

Long regulation brings a big problem, is not conducive to prevent and reduce systemic risk.Recent huaxia bank(600015,guba)consignment"The wealth of the investment center intake plan"And the wealth of a number"In such as the series of financial products cause bank financing business crisis is one of those.

　　“由于法律的缺位，银行其实沦为弱势群体”，一位参加论坛的银行界代表如此诉苦。他表示，由于银行在理财产品的中的收益仅是低廉的手续费，又不能控制所募集资金的使用用途，一旦发生风险，客户将会找银行索赔，风险和收益严重不匹配。

"Due to the absence of the law,Bank actually become vulnerable groups",A participant in the BBS of Banks on behalf of such a complaint.He said,As Banks in the financial products of income is only a low fee,And can't control the use of collect capital purposes,Once produce risk,The customer will be looking for a bank to claim,Risks and benefits of serious don't match.

　　其实这两年因资产管理引发的诉讼并非限于银行理财产品，之前“甘肃世恒对赌协议”被宣判无效第一案引发私募界极大恐慌，这都说明目前资产管理面临法律监管难题，混业经营和混业监管成为本次论坛参会嘉宾的共同心声。

In fact, this two years for asset management cause lawsuit is not limited to bank financing products,before"The constant spread-betting agreement in gansu province"The first case is sentenced to invalid by private world great panic,This explains the current asset management face legal supervision problem,Mixed operation and mixed supervision become the common aspiration of the BBS forum guests.