【作者】 陈晓；

【导师】 吴和成；

【作者基本信息】 南京航空航天大学 ， 工商管理硕士（专业学位）， 2023， 硕士

【摘要】 商业银行作为一个传统服务行业,尽管对新事物的接受与创造都比较保守,但是面对当今信息技术突飞猛进的变化以及从互联网金融带来的持续挑战,商业银行智能化转型已经刻不容缓,并且已经成为商业银行发展过程中一个必然阶段。业务向智能化方向发展,对商业银行而言,意味着旧时代的结束,昭示新时代的来临。虽然人工智能近几年得到了快速发展,但是我国银行实施智能化转型的时间并不长。在高速推进智能化转型的背景下,银行的经营与服务模式发生较大改变,随之也出现了不少风险因素。“风险”是作为金融机构的银行的重要经营对象,为了更好地实现经营转型,应当深入研究转型模式,尽可能的规避风险。随着信息技术的进步和互联网金融的快速发展,在未来的竞争中,智能银行业务将在银行业的竞争中占据非常重要的地位。本文以互联网金融发展作为切入点,对商业银行潜在的风险和风险管控进行研究,查阅和整理国内外的文献资料,确定研究思路和研究内容,运用层次分析法,建立JS银行淮安分行智能化业务风险评估模型,确定各类风险对商业银行风险的大小,此次研究选择的案例为JS银行淮安分行,分析其目前运营情况之后对其打分,以此来判断JS银行淮安分行智能化业务的风险大小。提出JS银行淮安分行智能化业务风险应对策略以及保障措施,确保商业银行进行有效的风险管理。对JS银行淮安分行提高风险管理水平、提高经营效益具有一定的实践和指导意义,能够为商业银行及时识别风险以及风险能够产生的影响提供帮助,构建出具体的应对方案,有助于将全面风险管理的理念运用到JS银行淮安分行智能化业务风险管理中去。更多还原

【Abstract】 As a traditional service industry,commercial banks are conservative in accepting and creating new things.However,faced with the rapid development of information technology and the continuous challenges brought by Internet finance,the intelligent transformation of commercial banks has become an urgent task,and has become an inevitable stage in the development process of commercial banks.For commercial banks,the development of intelligent business means the end of the old era and the coming of a new era.Despite the rapid development of artificial intelligence,it does not take long for Chinese banks to implement intelligent transformation,but the speed of intelligent transformation is relatively fast.Under the background of the rapid promotion of intelligent transformation,the operation and service mode of banks have changed greatly,but also produced more risk factors."Risk" is an important business object of the bank as a financial institution.In order to better realize the business transformation,we should deeply study the transformation mode and avoid the transformation risk as far as possible.Fintech is a double-edged sword,which has both advantages and negative effects.The potential financial risks of intelligent transformation are relatively large.With the progress of information technology and the rapid development of Internet finance,intelligent banking will play a very important role in the competition of the banking industry in the future.Taking the development of Internet finance as the entry point,this paper studies the potential risks and risk control of commercial banks,consults and sorts out domestic and foreign literature,determines the research ideas and content,uses analytic hierarchy process to establish the intelligent business risk assessment model of JS Bank Huaian Branch,and determines the size of various risks to commercial banks.The case chosen in this study is JS Bank Huai ’an Branch.After analyzing its current operation conditions,it is scored,so as to judge the risk of intelligent business of JS Bank Huai ’an Branch.Put forward JS Bank Huaian branch intelligent business risk response strategy and safeguard measures to ensure effective risk management of commercial banks.It has certain practical and guiding significance for JS Bank Huaian Branch to improve the level of risk management and improve the operating efficiency.It can provide help for commercial banks to identify risks and the impact of risks in a timely manner,and build specific solutions,which will help apply the concept of comprehensive risk management to the intelligent business risk management of JS Bank Huaian Branch.更多还原