摘要
本文从商业数字化转型的背景引入,在简要介绍数字化风控后,分析商业银行风险控制数字化转型的必要性:有助于实现全流程数字化、前瞻性水平提升和业务发展。在回顾商业银行数字化风控发展历程,介绍其现状后,提出商业银行数字化转型存在的问题,并在最后部分给出注重顶层设计与统筹协同、加强数据治理能力建设、加强数字化模型工具建设、持续强化资源技术保障、推动形成数字化风控文化的建议。
This paper is introduced from the background of business digital transformation.After a brief introduction of digital risk control,it analyzes the necessity of digital transformation of risk control of commercial banks:it helps to realize the digitization of the whole process,contributes to the improvement of forward-looking level,and contributes to business development.After reviewing the development process of digital risk control of commercial banks and introducing its current situation,the paper puts forward existing problems in digital transformation of commercial banks,and puts forward suggestions in the last part,focusing on top-level design and coordination,strengthening data governance capacity building,strengthening digital model and tool construction,continuously strengthening resource and technology support,and promoting the formation of digital risk control culture.
出处
《吉林金融研究》
2024年第3期52-56,共5页
Journal of Jilin Financial Research
关键词
商业银行
数字化风控
数字化转型
commercial bank
digital risk control
digital transformation
