Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)

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Research on Risk Management Measures for Commercial Banks in the Context of Digital Finance

Authors
Jinsong Zhuang1, *
1School of Economics, Shandong Women’s University, Jinan, Shandong Province, 250300, China
*Corresponding author. Email: 1315139998@qq.com
Corresponding Author
Jinsong Zhuang
Available Online 7 June 2025.
DOI
10.2991/978-94-6463-752-6_49How to use a DOI?
Keywords
Digital finance; Commercial banks; Risk management; Financial technology; Regulatory technology
Abstract

With the rapid development of digital technology, the financial industry is undergoing unprecedented changes. In this context, commercial banks face new risk challenges and management pressures. This study focuses on risk management strategies for commercial banks in the digital finance environment, discussing the impact of technological innovation on traditional risk management models, analyzing new types of risks emerging in the process of digital transformation, and proposing corresponding management measures. The research finds that effective risk management requires banks to establish a comprehensive risk assessment system, strengthen data security and privacy protection, optimize internal control mechanisms, cultivate professional talent, and enhance communication and cooperation with regulatory authorities. The results of this study provide theoretical basis and practical guidance for commercial banks to improve their risk management capabilities in the era of digital finance.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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<Previous Article In Volume
Volume Title
Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
7 June 2025
ISBN
978-94-6463-752-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-752-6_49How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Jinsong Zhuang
PY  - 2025
DA  - 2025/06/07
TI  - Research on Risk Management Measures for Commercial Banks in the Context of Digital Finance
BT  - Proceedings of 2025 2nd International Conference on Applied Economics, Management Science and Social Development (AEMSS 2025)
PB  - Atlantis Press
SP  - 447
EP  - 458
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-752-6_49
DO  - 10.2991/978-94-6463-752-6_49
ID  - Zhuang2025
ER  -