金融科技背景下商业银行全面风险管理研究

Study on the Impact of Fintech on Total Risk Management of Commercial Banks

在市场经济背景下,商业银行必须要掌握和运用金融科技手段,这是提升自身风险管理水平的有效途径。金融科技为商业银行提供了更有效的风险分析和识别方法,能够进一步优化商业银行风险管理体系,从而增强商业银行总体经营风险应对能力。金融科技对商业银行全面风险管理的重要性不言而喻。因此,有必要基于金融科技背景对商业银行的全面风险实施精准评估,从而对商业银行进行全面风险管理。

In the context of market economy,it is necessary for commercial banks to master and use financial technology tools to effectively control risks.Fintech offers commercial banks a more effective way to identify and analyse risk,and therefore optimize their risk management systems to better navigate operational risk incidents and improve operational efficiency.This paper aims to provide extensive analysis of the importance for Fintech in the total risk management of commercial banks,then assess the impact of Fintech on the bank risk,and conclude with recommendations for the total risk management of commercial.