Research On Science And Technology Financial Risk Management Of Local Commercial Banks

With the development of artificial intelligence,big data,and information technology,the rapid rise of science and technology finance and the promotion of the development of China's financial industry have brought more risks and challenges.How local commercial banks use technology finance to better promote the development of technology finance business is a question worthy of further discussion.This paper uses literature research method,case analysis method and empirical analysis method to take A bank(a local commercial bank)as an example to discuss and research the problem of providing small and medium-sized technology enterprise loan business.The research results are as follows:(1)The current development status of A-bank technology finance business,including technology finance business,credit business products,credit product ratio,non-performing loan ratio,etc.;(2)Analysis of Bank A's technology financial risk performance,including credit risk,Operational risk,operational risk,guarantee risk,management risk and macroeconomic risk;(3)Constructing an evaluation model of A bank's technology financial risk,and based on the Logistic model,empirically analyze the risk of A bank's technology financial business;(4)Put forward the proposal of A bank's technology financial risk management,improve the technology financial risk sharing mechanism,optimize the loan review mechanism and credit model,broaden the field of science and technology finance innovation,innovate the mortgage pledge loan model,and optimize the cultivation of science and technology financial talents.This paper identifies the technology financial risks of local commercial banks,uses Logistic model to evaluate their financial risks,and proposes countermeasures against scientific and technological financial risks.The research methods are scientific and novel,and they are innovative.At the same time,the research in this paper can not only provide reference for A-bank technology financial risk management,but also have some reference value for other similar banks' risk management.