Research on the Impact of Fintech on the Risk Management of Commercial Banks

This paper aims to explore the impact of fintech on the risk management of commercial banks. Through in - depth analysis, it reveals the challenges that fintech brings to commercial banks' risk management. It also proposes corresponding countermeasures for commercial banks to enhance their risk management capabilities in the fintech era. The research results show that although fintech poses certain threats to commercial banks, it also provides new opportunities for their risk management innovation. By effectively leveraging fintech, commercial banks can improve their risk management efficiency and competitiveness.