Research on the Risk and Management path of Digital Transformation of Commercial Banks under the Background of Financial Powerhouse
Commercial banks which are the main ingredient of the financial industry of our country are also the main body of realizing the strategic objective of the financial powerhouse in the new period.And the digital transfor-mation of commercial banks is the key measure to strengthen commercial banks.As digital transformation is a com-prehensive and deep integration of new digital technologies and traditional commercial banks,it fundamentally changes the technical basis and business logic of commercial banks,thus generates many new financial risks that are different from traditional risks.The paper points out that the risk categories and characteristics of commercial banks'digital transformation are clearly recognized,the experience of risk management in the digital transformation of foreign commercial banks is used for reference,and the characteristics of Chinese commercial banks are com-bined.It is proposed that strengthening the digital transformation risks of commercial banks must carry out legal compliance system construction,strengthen technical risk management,effectively promote strategic planning and risk assessment,innovative supervision and other systematic management measures,so as to realize that China's commercial banks can actively,effectively and steadily promote the digital process on the premise of effectively preventing risks,and thus achieve bank strength and financial strength.Finally realize the strategic goal of becom-ing a financial powerhouse.
NETL
NSTL
万方数据
维普
