Analysis on the Impact of Bank Digital Transformation on Risk Prevention and Its Governance Policies
The potential impact of the digital transformation of banks is multifacet-ed,and risk prevention and regulatory policies need to be constantly updated to a-dapt to the new challenges brought about by digitalization and ensure the stable op-eration 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 in-novative technologies such as application programming interface,artificial intelli-gence 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 ad-aptation,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 miti-gation measures from the aspects of strengthening corporate governance,data gov-ernance and third-party management,and regulators have strengthened supervision from the aspects of perfecting regulatory framework,improving supervision meth-ods,and optimizing supervision mechanisms.In the context of the digital transfor-mation 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 institu-tions,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.
Digital TransformationRisk PreventionRisk MitigationBanking Su-pervisionDigital Governance
万方数据
维普
