中小银行IT风险管理痛点与对策  

Pain Points and Countermeasures of IT Risk Management for Small and Medium-Sized Banks

作　　者：徐铭蔚 XU Mingwei

机构地区：[1]吉林银行风险管理部,吉林长春130000

出　　处：《吉林金融研究》2023年第2期44-47,共4页Journal of Jilin Financial Research

摘　　要：随着中小银行信息化应用水平的不断提高,金融科技已成为其实现经营管理、创新转型的强大技术保障。然而,在科技助力银行业高速发展和服务转型的同时,IT风险也如影随形。因此,提升IT风险精细化管理已成为当前各中小银行关注热点。笔者基于“二道防线”视角,通过当前中小银行转型升级衍生的IT风险特征,围绕IT风险管理普遍存在痛点展开分析,结合近年监管导向与中小银行实际情况有针对性地提出对策建议,旨在实现IT风险化被动管理为主动防控,助力中小银行IT风险管理总体质效的全面提升。With the continuous improvement of information application ability of small and medium-sized banks,fintech has become a powerful technical guarantee for their operation management and innovation transformation.However,while technology is helping the rapid development and service transformation of the banking industry,IT risks also follow closely.Therefore,How to improve the level of IT risk refined management has become the focus of the current small and medium-sized banks.Based on the perspective of"second of defense",the author analyzes the common pain points in IT risk management by the IT risk characteristics derived from the current transformation and upgrading of small and medium-sized banks,and puts forward targeted countermeasures and suggestions combined with the regulatory orientation and the actual situation from small and medium-sized banks in recent years,aiming at transforming IT risk management from passive management to active prevention and control model and helping to improve the overall quality and eff ect of IT risk management for small and mediumsized banks.

关 键 词：中小银行 IT风险管理 对策 

分 类 号：F830[经济管理—金融学]