摘要
随着我国数字化转型的持续深入,数字金融已成为我国金融市场的重要发展方向。商业银行在我国金融市场中扮演着至关重要的角色,净值型理财产品则逐渐替代了“保本保息”理财产品,在商业银行理财中占据更高的比重。文章从数字金融和净值型理财产品两个维度入手,深入分析当前商业银行面临的各类财务风险,并针对性地提出管控策略,以有效防范数字金融时代下的新风险,助力银行稳健发展。
With the continuous deepening of China's digital transformation,digital finance has become an important development di-rection of China's financial market.Commercial banks play a key role in China's financial market,while net worth financial products gradu-ally replace the“capital preservation and interest protection”financial products,and occupy a higher proportion in the financial manage-ment of commercial banks.Starting from the two dimensions of digital finance and net worth financial products,this paper deeply analyzes all kinds of financial risks faced by commercial banks,and puts forward targeted control strategies,so as to effectively prevent new risks in the era of digital finance and help the steady development of banks.
作者
高芳芳
Gao Fangfang(Fujian Pingtan Rural Commercial Bank Co.,Ltd.,Fuzhou,Fujian,350400)
出处
《市场周刊》
2025年第26期92-95,共4页
Market Weekly
关键词
数字金融
商业银行
财务风险
净值型理财产品
digital finance
commercial bank
financial risk
net worth financial products
作者简介
高芳芳,女,福建平潭人,会计师,审计师,福建平潭农村商业银行股份有限公司。
