Research On Commercial Banks'Prevention And Control Of Financial Science And Technology Risks

The rapid development of science and technology,especially the rapid development of information technology in the third scientific and technological revolution,has had a very significant impact on finance.The development of science and technology has led to the reform of the Internet,created favorable external factors for investors in the financial market,promoted the rapid transition of trading activities from the domestic market to other markets abroad,and provided great convenience for financial and capital transactions in the international market.The weak links of bank informatization construction are often reflected in the financial technology strategy,financial technology investment and performance management of commercial banks.With the continuous development of information construction,how to formulate financial science and technology strategy in line with business strategy and how to monitor and guard against financial science and technology risks have become the core issues faced by banks.Based on the analysis and summary of existing technology research results,this paper combines the advanced technology standards and experience of financial science and technology risk management at home and abroad.Through the current situation of bank A's financial science and technology risk management,this paper puts forward the causes of risk management problems,and finally puts forward targeted financial science and technology risk methods and measures.On the basis of in-depth analysis of the causes,control measures and supervision and management system of financial science and technology risks in banks,and according to the actual development of domestic financial science and technology,the formulation and implementation of risk control programs and the implementation of external risk supervision and management,this paper puts forward the establishment of a financial science and technology risk prevention system and supervision and management system suitable for the current situation of domestic banks.The specific scheme and the reasons for the formation of bank financial science and technology risk are not only the problem of information technology level,but also the comprehensive reflection of personnel,management and process.Because of the peculiarity of bank financial technology risk itself,the construction of prevention and control system for this risk requires the perfection and achievement of bank's own technology implementation,internal control compliance and the construction of comprehensive risk management system.It mainly reflects the integration of wind control strategies in different aspects such as risk control of Bank Science and technology projects,governance of financial science and technology,technology outsourcing management,internal and external auditing,construction of information security system,research and development,operation and maintenance management of information system,etc.,so as to build an all-round and integrated wind control system,thereby reducing the risks of financial science and technology to the development of banks themselves.Impact.To promote the long-term,stable and safe operation of domestic banks,accelerate banking business innovation,enhance the ability of banks to control financial and technological risks,enhance the sustainable development ability and competitiveness of banks,and effectively promote the steady and healthy development of our economy.