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论文编号：	12643
作者编号：	2320180549
上传时间：	2021/6/17 23:38:32
中文题目：	商业银行数字化经营风险防控研究——以J银行某分行为例
英文题目：	Research on risk prevention and control of digital operation of commercial banks—A Case Study of A Branch of J bank
指导老师：	石鉴
中文关键字：	商业银行；数字化经营；风险防控
英文关键字：	commercial bank; digital operation; risk prevention and control
中文摘要：	随着云计算、物联网、区块链等新兴技术的迅猛发展，金融行业数字化转型势在必行。商业银行数字化转型经历了手工化升级期、信息化替代期和数字化萌芽期，目前正处在数字化爆发期，新冠肺炎疫情催化了银行业数字化转型，同时也加速了商业银行数字化经营的进程。银行的风险属性没有因为数字化的出现而改变，传统银行风险与新的风险交织存在。银行作为市场经济的前沿阵地，随着传统运营模式与移动互联网、生物识别、人工智能、大数据等新技术的结合运用，其经营模式逐渐向数字化变革，风险也随之变化，新风险随之而来。 本论文旨在研究数字化时代背景下，商业银行在数字化经营过程中如何应对新的风险防控挑战。本文首先对“数字化经营”和“风险管理”进行了充分诠释，利用“全面风险管理理论”、“内部控制理论”和“长尾理论”等基本理论和国内外有关数字化经营风险防控的研究，指出了目前存在的问题，并对问题成因做了具体分析，从而提出优化方案设计。通过作者的综合分析总结，本文认为商业银行数字化经营风险防控优化举措要从三个方面着手，即健全全面风险管理机制、完善内部控制体系、增强数据应用能力，旨在进一步提高商业银行数字化经营风险防控水平，最后通过实地调研以J银行某分行为例研究了其数字化经营特点、风险防控现状、存在问题、改进方案，用实例进行了论证。 本论文认为J银行数字化经营方面以及风险防控方面均在同业中属领先地位，通过以J银行某分行数字化经营风险防控为例进行初步探讨，希望能够对其他商业银行数字化经营风险防控方面具备参考价值，以更好地适应时代发展和服务客户的需求，为客户资金安全提供更有力的保障，为以后的研究提供一个新的思路。
英文摘要：	With the rapid development of cloud computing, Internet of things, blockchain and other emerging technologies, the overall digital transformation of financial services has become the general trend. Novel coronavirus pneumonia has been undergoing adorable upgrading, information replacement and digital sprouting. It is now in digital outbreak. The new crown pneumonia epidemic has catalyzed the digital transformation of various industries, and has also accelerated the process of digital operation of commercial banks. The risk attributes of banks have not changed because of the emergence of digitalization. Traditional bank risks and new risks are intertwined. As the frontier of market economy, with the combination of traditional operation mode and new technologies such as mobile Internet, biometrics, artificial intelligence and big data, the bank's operation mode is gradually changing to digital, and the risks are also changing, and new risks follow. This thesis aims to study how commercial banks deal with the new risk prevention and control challenges in the digital era. In this thesis, the "digital operation" and "risk management" are fully interpreted. By using the basic theories of "comprehensive risk management theory", "internal control theory" and "long tail theory" and the research on digital operation risk management at home and abroad, the existing problems are pointed out, and the causes of the problems are analyzed, so as to put forward the optimization scheme design. Through the author's comprehensive analysis and summary, this thesis thinks that the optimization measures of digital operation risk management of commercial banks should start from three aspects, namely, improving the comprehensive risk management mechanism, improving the internal control system, and enhancing the ability of data application, in order to further improve the level of digital operation risk prevention and control of commercial banks. Finally, through field research, this thesis studies the digital operation risk management of J bank The characteristics, risk prevention and control status, existing problems, improvement scheme of the enterprise are demonstrated with examples. This thesis believes that J bank's digital operation and risk prevention and control is in the leading position in the industry. By taking a branch of J bank's digital operation risk prevention and control as an example, this thesis hopes to have reference value for other commercial banks' digital operation risk prevention and control, so as to better adapt to the development of the times and serve customers In order to provide a more powerful guarantee for the safety of customers' funds and a new idea for the future research.
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