中资银行海外分行数字化转型中监管环境风险分析及对策——基于澳大利亚案例的分析  

Regulatory Risks and Strategies in the Digitalization of Chinese Banks' Overseas Branches: Insights from Australian Case Studies

作　　者：何涛 HE Tao

机构地区：[1]交通银行悉尼分行

出　　处：《新金融》2025年第4期25-34,共10页New Finance

摘　　要：随着全球金融行业数字化转型的深入推进,中资银行海外分行在提升运营效率和优化客户体验方面发挥着重要作用。然而,这一过程中,金融机构需要应对复杂且多变的监管环境。这些监管风险因国家和地区的法律、行业标准及监管框架的差异而具有显著特点。因此,在数字化转型初期进行深入分析并将应对策略嵌入规划设计中显得尤为重要。本文在分析全球监管机构对数字化转型要求的基础上,以澳大利亚银行业为例,分析了数字化转型中面临的主要监管风险,包括合规性要求、数据保护、跨境数据传输和技术安全等问题。在此基础上,提出了加强合规管理、优化风险防控、积极适应当地法规以及降低合规成本的具体对策。研究强调了与监管机构保持透明、积极沟通的重要性,以便应对政策更新和标准变化,确保金融机构在动态监管环境中保持灵活性和竞争力。本研究为海外分行在复杂的国际监管环境中推进数字化转型提供了参考,助力金融机构在全球化进程中构建可持续发展的数字化竞争优势。With the acceleration of digitalization in the global financial industry,the digital transformation of overseas branches has played a crucial role in enhancing operational efficiency and customer experience.However,during the digital transformation process,financial institutions face a complex regulatory environment,influenced by local laws,industry standards,and regulatory frameworks that differ from domestic conditions across various countries and regions.It is essential to conduct in-depth analysis and integrate response strategies into the digital transformation design at an early stage.This paper takes Australian banking industry as a case study,analyzing the primary regulatory risks encountered during digital transformation,including compliance requirements,data protection,cross-border data transfers,and technological security.By strengthening compliance management and risk prevention measures,overseas branches can proactively adapt to local laws and regulations,improve their responsiveness to regulatory requirements,and reduce compliance costs.This paper also emphasizes the importance of maintaining transparent,proactive communication with regulatory bodies to swiftly adapt to policy updates and changes in standards.This study provides valuable references for overseas branches navigating digital transformation in a complex international regulatory landscape,helping financial institutions build a sustainable digital competitive advantage in the process of globalization.

关 键 词：数字化转型 监管环境 风险分析 

分 类 号：F833[经济管理—金融学]