中国工程科学2024，Vol.26Issue(3)：196-206,11.DOI:10.15302/J-SSCAE-2024.03.020
数字化转型背景下金融风险监测与预警体系研究
Financial Risk Monitoring and Early-Warning System in the Context of Digital Transformation
摘要
Abstract
Currently,the digital transformation of the financial industry in China has moved from multiple breakthroughs into a new stage of deepening and high-quality development,which necessitates a collaborative governance mechanism that coordinates multiple parties including governments,enterprises,and individuals.In view of the new,complex,and potentially harmful financial risks arising in the context of digital transformation,the financial industry urgently needs to improve its financial risk monitoring and early-warning capabilities to effectively protect financial security.This study analyzes the progress of digital transformation of the financial industry as well as the implications and characteristics of new financial risks through literature research and theoretical analysis.It also investigates the mainstream financial risk monitoring and early-warning technologies in China and abroad,and clarifies the prominent problems regarding risk characterization and recognition,transmission and tracking,and inference assessment.Furthermore,we propose the overall framework,innovative research methods,and improving paths for the financial risk monitoring and early-warning system in the context of digital transformation.This study reveals that financial risks have new characteristics in the context of digital transformation,such as faster update and iteration,higher risk frequency,and stronger concealment.Existing financial risk monitoring and early-warning technologies have numerous deficiencies and face multiple challenges in dealing with new financial risks,such as difficulty in characterizing,tracking,and assessing risks.Therefore,to improve the financial risk prevention capability of China and guarantee national financial security,it is proposed to develop cross-industry sharing standards for financial data,establish a knowledge representation paradigm and a cross-industry transmission mechanism of financial risks,and build a large model regarding financial risk monitoring and early warning.关键词
金融业/数字化转型/金融风险/监测/预警/机器学习/数据挖掘Key words
financial industry/digital transformation/financial risk/monitoring/early warning/machine learning/data mining分类
信息技术与安全科学引用本文复制引用
张寒冰,李智鑫,荆一楠,王晓阳,吴杰,柴洪峰..数字化转型背景下金融风险监测与预警体系研究[J].中国工程科学,2024,26(3):196-206,11.基金项目
中国工程院咨询项目"数字化转型背景下金融风险监测与预警体系战略研究"(2023-33-14) Chinese Academy of Engineering project"Research on Financial Risk Monitoring and Early Warning System in the Context of Digital Transformation"(2023-33-14) （2023-33-14）
