银行数字化转型对风险防范的影响及其治理政策探析

Analysis on the Impact of Bank Digital Transformation on Risk Prevention and Its Governance Policies

银行数字化转型的潜在影响是多方面的,风险防范和监管政策需要不断更新以适应数字化带来的新挑战,确保金融系统的稳定运行。基于对国际清算银行的政策指引和国际上银行的操作实践进行分析,探讨银行数字化转型对风险防范的影响及其治理政策。结果显示,应用程序接口、人工智能和机器学习、分布式账本技术、云计算等创新技术运用对银行业竞争格局与合作关系产生影响,银行数字化转型带来战略转型与组织变革、合规性和法规适应性、新兴技术应用与风险控制、数据安全与隐私保护、跨部门协作与监管一致性等挑战。为应对银行数字化转型,银行从加强公司治理、数据治理和第三方管理等方面采取各种风险缓释措施,监管机构从健全监管框架、改进监督方法、优化监管机制等方面加强监管。在银行数字化转型背景下,应持续监测数字化转型引致的银行风险,引导银行机构遵循负责任的创新原则合理运用创新技术,加强自身监管力量和队伍建设以及与其他机构的协调配合,推动在监管框架和法律框架引入相同业务、相同风险、相同规则的原则,平衡好促进负责任的创新、维护银行体系安全和金融体系稳定的关系。

The potential impact of the digital transformation of banks is multifaceted,and risk prevention and regulatory policies need to be constantly updated to adapt to the new challenges brought about by digitalization and ensure the stable operation of the financial system.Based on the analysis of the policy guidelines of the Bank for International Settlements and the operational practices of international banks,this paper discusses the impact of the digital transformation of banks on risk prevention and its governance policies.The results show that the application of innovative technologies such as application programming interface,artificial intelligence and machine learning,distributed ledger technology,and cloud computing have an impact on the competitive landscape and cooperative relationships in the banking industry.The digital transformation of banks brings challenges such as strategic transformation and organizational change,compliance and regulatory adaptation,application of emerging technologies and risk control,data security and privacy protection,cross-departmental collaboration and regulatory alignment.In response to the digital transformation of banks,banks have taken various risk mitigation measures from the aspects of strengthening corporate governance,data governance and third-party management,and regulators have strengthened supervision from the aspects of perfecting regulatory framework,improving supervision methods,and optimizing supervision mechanisms.In the context of the digital transformation of banks,it is necessary to continuously monitor the banking risks caused by the digital transformation,guide banking institutions to follow the principle of responsible innovation and rational use of innovative technologies,strengthen their own regulatory strength and team building and coordination with other institutions,and promote the introduction of the principle of the same business,the same risk and the same rules in the regulatory framework and legal framework.Strike a balance between promoting responsible innovation and maintaining the security of the banking system and the stability of the financial system.