金融科技创新过程中金融风险管理问题及对策

Study on Financial Risk Management and Countermeasures in Financial Technology Innovation

随着新一代信息技术的广泛应用,金融机构在处理和分析海量用户数据时,面临前所未有的挑战。数据安全、隐私保护、技术不确定性、监管合规及用户权益等成为财务风险管理的核心问题。为了促使金融机构提升金融风险管理水平,文章提出了加强数据安全与隐私保护、构建技术风险防控体系、强化监管与合规机制、保障用户权益并践行社会责任等对策,旨在进一步促进金融市场的稳定与可持续发展。

With the widespread application of new-generation information technology,financial institutions are facing unprecedented challenges in processing massive data.Data security,privacy protection,technological uncertainty,regulatory compliance,and user rights have become core issues.In order to prompt financial institutions to improve their risk management,the article proposes suggestions in terms of strengthening data security and privacy protection,building a risk prevention and control system,perfecting regulatory and compliance mechanisms,safeguarding users'rights and performing social responsibility,aiming to further facilitate the stability and sustainable development of the financial market.