Research On The Optimization Of Risk Management System Of Rural Banks Under The Background Of Digital Transformation

The important core of the development of modern commercial banks is risk management,and the important factor that promotes the continuous improvement of the level of risk management of banks is the level of science and technology.Digital transformation not only brings many possibilities to the development of commercial banks,but also forms a huge impact on the traditional risk management mode of commercial banks.Rural banks,as new rural financial institutions established in China,play an important role in serving the national rural revitalization strategy,consolidating the achievements of poverty alleviation and activating the vitality of rural finance.At present,rural banks are faced with the dual development background of industry digital transformation,quality improvement and risk reduction.Due to the late start of development of rural banks,small scale of operation,poor awareness of risk prevention and other characteristics different from other banking institutions,how can rural banks promote the optimization and improvement of comprehensive risk management system under the new background of industry digital transformation? It has become an urgent task to improve our ability to develop healthily and sustainably.Existing studies on the digital transformation and risk management of commercial banks mainly focus on the digital transformation path of commercial banks and prevention of individual risks,including the transformation direction,intelligent application of risk control,credit risk management,etc.,but the studies on the risks of digital transformation and the impact of digital transformation on the risk management system are not in-depth and systematic.There are even fewer studies on rural banks.Therefore,starting from the background of banking digital transformation,this paper makes an in-depth analysis of the current situation of risk management of rural banks,the impact of digital transformation on the risk management system of rural banks and the opportunities and challenges faced by risk management.Then combined with COSO-ERM and other risk management theory and practice,put forward the risk management system optimization scheme of rural banks under the background of digital transformation.Secondly,questionnaire survey is used to summarize and analyze the construction situation and existing problems of RS rural banks’ comprehensive risk management system.Finally,based on the optimization plan proposed above,targeted application is made in RS rural banks to help case banks build a risk management system matching the digital transformation and improve the overall risk management ability.Through the analysis of the impact of digital transformation on the risk management system and the case study,this paper draws the following conclusions: First,due to the homogeneous supervision,industry development characteristics and other factors,although the current construction of the risk management system of rural banks basically meets the regulatory requirements,there are large inadaptability.Digital transformation has changed the traditional risk management mode and mechanism,which requires village banks to establish a more efficient and agile risk management system.Second,it proposes that under the background of digital transformation,rural banks should focus on optimizing the original risk management system from five aspects: mechanism construction,process reengineering,risk data management and application,intelligent risk control system construction,and professional personnel construction.Thirdly,through in-depth analysis of the case banks,it is found that there are problems such as imperfect risk management mechanism,weak identification and evaluation ability,scattered risk control system construction,insufficient data management ability,and lack of professional talents.The risk management optimization plan of rural banks under the background of digital transformation is used to provide feasible optimization suggestions for the case banks.The main innovation point of this paper is to select the hot background of banking digital transformation,focus on the unique industry development characteristics and development stage of rural banks,and study the optimization and improvement of risk management system.On the one hand,from the perspective of digital transformation,this paper studies the optimization and construction of the risk management system of rural banks,further refining the research perspective of the bank risk management system.On the other hand,the case study method,combined with relevant theories and working practices,aims to solve practical problems existing in case banks,providing references for the optimization of risk management system under the background of digital transformation of domestic rural banks,making the research results more referential and practical,and enriching the theoretical research on risk management system of rural banks.