摘要
作为我国金融业主体成份的商业银行是实现新时期金融强国战略目标的主体,而商业银行数字化转型则是做强商业银行的关键措施。由于数字化转型是新型的数字技术与传统的商业银行的全面、深度融合,它从根本上改变了商业银行发展的技术基础与经营逻辑,从而衍生出诸多有别于传统风险特点的新型金融风险。当前认清商业银行数字化转型的风险类别与特点,借鉴国外商业银行数字化转型中风险管理的经验,结合我国商业银行的特征,强化商业银行数字化转型风险必须进行法律合规制度建设、强化技术风险管理、有效推进战略规划和风险评估、创新监管等系统性管理措施,从而实现我国商业银行在有效防范风险的前提下,还能积极、有效、稳妥地推进数字化进程,进而实现银行强、金融强,最终实现金融强国的战略目标。
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.
作者
高伦
陆岷峰
GAO Lun;LU Min-feng(Bank of Nanjing,Nanjing Branch,Nanjing 210000,China;Internet Finance Innovation and Development Research Center,Nanjing University of Technology,Nanjing 210041,China)
基金
国家社会科学基金一般项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(批准号:21BJY022)
教育部人文社会科学青年基金项目“安全众测服务生态系统价值共创机制研究”(22YJC630214)的阶段性成果。
关键词
金融强国
商业银行
数字化转型
风险管理
financial powerhouse
commercial banks
digital transformation
risk management
作者简介
高伦(1995-),男,江苏淮安人,金融学博士,东智科技研究院高级研究员,研究方向为金融模型、金融风险量化、公司估值;陆岷峰(1962-),男,江苏金湖人,南京大学博士后,南京工业大学互联网金融创新发展研究中心主任,教授,博士生导师,中国地方金融研究院首席研究员,研究方向为宏观经济、商业银行、中小企业。
