金融科技浪潮下商业银行业务的风险识别和重估

Risk Identifcation and Reassessment of Commercial Bank Business under the Tide of Financial Technology

近些年来,金融科技对商业银行的业务流程进行了全方位的再造,一方面使传统银行业务呈现出了崭新的业态,另一方面让业内出现了更多的创新金融项目。因此,对商业银行的风险要重新识别和判断。基于此,重新梳理了在金融科技深度渗透下商业银行传统业务风险的变化和银行创新金融项目复合风险呈现出的新特征,并试图从商业银行传统业务和金融创新项目两个路径进行风险识别和重估。

In recent years,Fintech has carried out a comprehensive reconstruction of the business process of commercial banks.On the one hand,the traditional banking business presents a new type of business;on the other hand,more innovative financial projects have also appeared in the commercial banking system,so the risks of commercial banks need to be re-identified and judged.This paper reorganizes the new characteristics of the traditional risks of commercial banks and the complex risks of innovative financial projects after the deep penetration of Fintech,and tries to identify and reevaluate risks from the traditional business of commercial banks and financial innovation projects.