Risk Management and Analysis of Commercial Banks Under Digital Background

Yuqi Gao ()
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Yuqi Gao: Guangdong University of Foreign Studies South China Business College, Institute of Economics

A chapter in Proceedings of the 2025 International Conference on Financial Risk and Investment Management (ICFRIM 2025), 2025, pp 647-656 from Springer

Abstract: Abstract In recent years, as technology is developing fast in the digital stage, commercial banks are also adapting by transformation. The introduction of the new technologies such as big information analysis, machine learning (ML) and artificial intelligence (AI) have changed the way the financial services has been existing provided and also has provided new challenges and opportunities for the analysis and management of the risk of the banks. Given this reality, banks need to revisit the paradigm of risk management and then act swiftly to mirror dynamic markets. Due to digital transformation pushes, banks are extensively navigating big data in order to optimize credit decision-making processes and ensure effective action against market volatility. Moreover, operational risk, credit risk, market risk and a series of other risks is becoming increasingly prominent, have become an indispensable part of bank sound operation. With the aid of automated technologies and other tools for digitalization, commercial banks have enhanced the risk management quality compared to previous traditional approaches. With the growing digitalization, banks must keep pacing with the evolving technology and knowledge systems to maintain a competitive stance and address new-age threats.

Keywords: Commercial bank; Digitalization; Big data; Risk management; Information security (search for similar items in EconPapers)
Date: 2025
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DOI: 10.2991/978-94-6463-748-9_72

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