摘要
农村商业银行由农村信用社改制而来,由于历史原因,农村商业银行在改革转型中不仅面临着风险意识不强、风险治理结构不完善、缺乏风险治理及评估机制、专业技术人才严重短缺等风险隐患,而且存在产权不清晰、管理制度上下不统一、业务小额零星等导致风险管理难度大的问题。目前大部分农商行风险管理仍处于危机发生后的纠错和补救状态。数智化风险管理通过全面、准确地模拟、识别、评估、监测和控制等手段,提供事前的科学风险决策支持,区块链和元宇宙的结合可以为农村商业银行风险管理提供更高效、安全、立体和智能化的风险解决方案,有助于提升农商行风险管理的决策效率和准确性,增强农商行风险管理的创新能力。
Rural commercial banks are transformed from rural credit cooperatives.Due to historical reasons,rural commercial banks not only face potential risks such as weak risk awareness,imperfect risk governance structure,lack of risk governance and evaluation mechanisms,and a serious shortage of professional and technical personnel in the reform and transformation,but also have problems such as unclear property rights,inconsistent management systems,and small and scattered business operations,which lead to difficulties in risk management.At present,the risk management of most rural commercial banks is still in a state of correcting errors and making remedies after a crisis occurs.Digital-intelligence risk management provides scientific risk decision-making support in advance through comprehensive and accurate means such as simulation,identification,evaluation,monitoring and control.The combination of blockchain and metaverse can provide more efficient,safe,three-dimensional and intelligent risk solutions for the risk management of rural commercial banks,helping to improve the decision-making efficiency and accuracy of risk management of the banks and enhance the innovation ability of risk management as well.
出处
《商业经济》
2024年第11期174-177,共4页
Business & Economy
基金
2023年教育部产学合作协同育人项目:数智时代乡村振兴视角下农村商业银行风险数字管理平台建设(230706030170944)
2022年贵州大学一般项目:乡村振兴视角下贵州省农村商业银行公司治理与风险管理研究(GDYB2022021)。
关键词
农村商业银行
风险管理
数智化
rural commercial banks
risk management
digital-intelligence
