金融科技背景下商业银行信用风险评估应用框架初探

A Preliminary Study on the Application Framework for Credit Risk Assessment in Commercial Banks in the Context of Financial Technology

摘要: 近年来，我国商业银行的信用风险管理经历了从主观到客观、从定性到定量、从静态到动态的转变，这当中得益于金融科技的快速发展为银行提供新的机遇。在这一背景下，本文探讨了金融科技在商业银行信用风险管理中的应用，重点分析了大数据和人工智能如何优化风险识别、控制和监测流程，并介绍了相关模型在风险评估中的具体实践。为商业银行提高风险管理的效率和准确性，更好地应对经济环境中的不确定性挑战提供一定参考。

Abstract: In recent years, credit risk management in Chinese commercial banks has undergone a significant transformation, evolving from subjective to objective, qualitative to quantitative, and static to dynamic approaches. This shift has been enabled by the rapid development of financial technology (FinTech), which has opened new opportunities for banks. Against this backdrop, this paper investigates the application of FinTech in credit risk management within commercial banks, with a particular emphasis on how big data and artificial intelligence (AI) enhance the processes of risk identification, control, and monitoring. Furthermore, it examines the practical implementation of relevant models in risk assessment. The study provides valuable insights for commercial banks seeking to improve the efficiency and accuracy of their risk management practices, thereby better addressing the uncertainties inherent in the economic environment.