CAJ | 학술논문

2015年3月,两会提出的“互联网＋”计划指明了互联网与传统产业进行深度融合的产业调整发展方向,而“互联网＋银行”也成为互联网金融深化改革的具体承载。商业银行风险管理作为银行稳健发展的核心竞争力之一,在“互联网＋银行”的趋势下需要思考如何深度嫁接互联网技术进行变革。在简要梳理文献资料的基础上,本文深入分析互联网技术对传统商业银行风险管理的深远意义,探讨商业银行风险管理的现实差距,指出传统商业银行风险管理向“互联网＋银行”方式下的风险管理模式的突破路径,为传统商业银行风险管理在新常态下实现变革发展提供理论分析和实践参考。
2015년3월,량회제출적“호련망＋”계화지명료호련망여전통산업진행심도융합적산업조정발전방향,이“호련망＋은행”야성위호련망금융심화개혁적구체승재。상업은행풍험관리작위은행은건발전적핵심경쟁력지일,재“호련망＋은행”적추세하수요사고여하심도가접호련망기술진행변혁。재간요소리문헌자료적기출상,본문심입분석호련망기술대전통상업은행풍험관리적심원의의,탐토상업은행풍험관리적현실차거,지출전통상업은행풍험관리향“호련망＋은행”방식하적풍험관리모식적돌파로경,위전통상업은행풍험관리재신상태하실현변혁발전제공이론분석화실천삼고。
In the Two Sessions in March 2015,＂ Intemet ＋＂ scheme indicates the deep convergence between the Internet and traditional industries. Risk management regarding as core competitiveness in the development of commercial banks, should consider the pace of changing by combining with Internet technology. This paper analyzes that lntemet technology is of great significance to traditional commercial banks. And there is a great gap for risk management in traditional commercial banks. We give the path selection of the transformation strategy from risk management in traditional commercial banks to risk management in ＂Intemet ＋ Banks＂, providing the theoretical analyses and practical reference for the pattern breaking of traditional commercial banks.