银行新业务场景衍生风险的分析与研究  

Analysis and Research on the Risks Derived from New Business Scenarios in Banks

作　　者：潘华 王齐峰 黄一飞 侯晓晨 

机构地区：[1]中国邮政储蓄银行软件研发中心

出　　处：《金融电子化》2024年第20期69-71,共3页Financial Computerizing

摘　　要：随一着科技进步与金融市场日新月异的变化,银行在业务场景和技术方面不断推陈出新,深入地探索数字化、智能化、个性化的金融服务模式,以满足客户日益多样化的需求。从移动支付的普及到AI大模型的兴起,从大数据驱动的信贷评估到智能客服的应用,银行的服务模式发生了深刻变革。While new business scenarios and the application of new technologies bring convenience to banks and customers,they also give rise to a series of significant security risks.Conducting an in-depth analysis of these risks and exploring corresponding preventive measures and coping strategies are crucial for maintaining the stable operation of banks,ensuring the security of funds,and stabilizing financialmarkets.

关 键 词：科技进步 移动支付 金融市场 金融服务模式 信贷评估 衍生风险 大数据驱动 智能客服 

分 类 号：F832.2[经济管理—金融学]