Research on Operational Risk Management of Commercial Banks Amid the Development of Financial Technology

Abstract

The deepening of digital transformation and the deep integration of financial technology and commercial bank management have not only optimized business processes and improved service quality and efficiency, but also presented new characteristics of increased concealment and diversified causes of operational risks. Traditional operational risk management frameworks are facing adaptability challenges. Based on the regulatory rules of the National Administration of Financial Regulation (NAFR), authoritative industry statistical data, and the practical application of financial technology in state-owned large banks, this article systematically analyzes the dual impact of financial technology on bank operational risk, sorts out the existing weaknesses and underlying causes of risk management, and proposes adaptive optimization solutions. Practice has shown that although financial technology effectively reduces traditional risks related to manual operations, it also gives rise to new risks such as data security and algorithm model bias. In addition, the insufficient supply of interdisciplinary talents and the lagging iteration of internal control systems continue to constrain the effectiveness of risk control. This study can provide practical references for commercial banks to improve their operational risk management system and strengthen their risk prevention and control capabilities through the use of financial technology, and help banks achieve stable operations in digital transformation.