我国商业银行金融科技应用的风险与防范策略

Risks and Preventive Strategies of Fintech Applications in Commercial Banks in China

金融行业一直以来都与科技息息相关,随着我国科学技术的蓬勃发展,科技对商业银行的赋能成为商业银行金融业务突破阻碍、升级转型、创新发展的重要利器。科技赋能推动商业银行的金融业务更加精准化、场景化以及智能化,会不断强化我国商业银行的金融能力,并且创新发展商业银行金融科技产品已经成为我国商业银行以及金融行业共同努力的方向。我国商业银行在市场经济发展中具有重要地位,商业银行经营的对象是多种金融资产,商业银行为了提高自身的竞争力和影响力,很久之前就已经与金融科技应用紧密结合起来,但是我国商业银行金融科技产品在应用过程中也存在许多风险和隐患,对于商业银行而言这既是机遇又是挑战。如何将商业银行应用金融科技产品的风险详细地分析出来,并且针对不同的风险制定不同的解决方案和防范策略,都对商业银行提出了严格要求。当商业银行能够在快速发展的金融背景下将金融科技应用的风险严密防范起来,那么商业银行在我国经济发展中的地位也就得到了极大提高。基于此,本文通过研究我国商业银行存在的风险和隐患,提出了切实可行的风险防范策略。

The fi nancial industry has always been closely linked with technology,and with the vigorous development of science and technology in China,the empowerment of technology for commercial banks has become an important tool for commercial banks to break through obstacles,upgrade and transform their fi nancial business and innovate and develop.Technology-enabled fi nancial services of commercial banks are more accurate,scenario-based and intelligent,which will continue to strengthen the financial capability of commercial banks in China,and the innovation and development of fi ntech products of commercial banks has become the trend of joint eff orts of commercial banks and the fi nancial industry in China.Commercial banks in China have an important position in the development of the market economy,and commercial banks operate a variety of fi nancial assets;commercial banks have been closely integrated with the application of fi ntech for a long time in order to improve their competitiveness and infl uence,but the application of fi ntech products in commercial banks in China also has many risks and hidden dangers,which is both an opportunity and a challenge for commercial banks.How to analyze the risks of commercial banks’application of fi ntech products in detail and formulate various solutions and preventive strategies for diff erent risks are strict requirements for commercial banks.When commercial banks are able to prevent the risks of fi ntech applications with the rapidly developing fi nance,the position of commercial banks in China’s economic development will be greatly enhanced.Based on this,this article will study the risks and hidden dangers of commercial banks in China and propose practical risk prevention strategies.