Analysis of New Challenges and Response Paths for Enterprise Risk Management Under the Wave of Financial Technology

The in-depth application of technologies such as big data, artificial intelligence, and blockchain in the financial sector has made FinTech a core force driving industry transformation and upgrading. It has not only restructured businesses' business models and operational processes but also fundamentally altered the risk environment they operate in. Traditional risk management systems were designed for offline scenarios. Faced with the emerging risks spawned by fintech, they are gradually revealing problems such as lagging risk identification, limited prevention and control measures, and inadequate data security. This article examines the impact of fintech on enterprise risk management and, drawing on the actual operational realities of enterprise digital transformation, identifies emerging risks such as technology dependency, algorithmic bias, and cross-border contagion. It also deeply analyzes the inadaptability of traditional systems, shortcomings in technical security and data compliance, challenges posed by the evolving regulatory environment, and talent gaps. Finally, it offers practical solutions across four dimensions: technology upgrades, system improvements, talent development, and regulatory coordination. These paths aim to provide a reference for enterprises to enhance their risk management capabilities in the context of FinTech and help them achieve stable development amidst the wave of digitalization. Research indicates that enterprises must break away from traditional risk management thinking and build a comprehensive system of "technology + system + talent" to effectively address the various risks posed by FinTech.