数字金融背景下江苏银行财务风险防范策略研究

Research on the Financial Risk Prevention Strategy of Bank of Jiangsu under the Background of Digital Finance

摘要: 随着信息技术的飞速发展和互联网技术的广泛应用，数字金融已成为金融行业的重要趋势。数字金融以其便捷性、高效性和创新性等特点，为银行业带来了前所未有的发展机遇。江苏银行作为中国的区域性商业银行之一，银行的财务风险的防范关乎经济发展。因此，本文在江苏银行财务报表年度报告的基础上，选取相关财务指标。分别从资本充足性、资产质量风险以及盈利性风险三个方面，然后在此基础上，为江苏银行提供风险防范策略。运用时间序列模型，在风险评价体系上构建模型，分析风险防范评价基础上数字金融与财务风险的关系。最后得出结论及风险防范策略。

Abstract: With the rapid development of information technology and the wide application of Internet technology, digital finance has become an important trend in the financial industry. Digital finance has brought unprecedented development opportunities to the banking industry with its convenience, efficiency and innovation. Jiangsu Bank as one of China’s regional commercial banks, the prevention of financial risks of Jiangsu Bank is related to economic development. Therefore, based on the annual report of Jiangsu Bank’s financial statements, this paper selects relevant financial indicators. From the three aspects of capital adequacy, asset quality risk and profitability risk, and then on this basis, it provides risk prevention strategies for Bank of Jiangsu. Using the time series model, the model is constructed on the risk evaluation system, and the relationship between digital finance and financial risk based on risk prevention evaluation is analyzed. Finally, the conclusion and risk prevention strategy are obtained.