Study on the influence of fintech on risk bearing of commercial banks

With the rapid rise of fintech, its impact on commercial banks risk-taking has garnered significant attention. This study focuses on core computer-related technologies, delving into how fintech is reshaping the operational models of commercial banks. Through rigorous empirical analysis and detailed case studies, it explores how fintech alters banks risk identification, assessment, and control processes. The research finds that fintech helps optimize risk warnings and reduce liquidity risks, but also introduces new challenges such as cybersecurity. It aims to provide key insights and strategic guidance for commercial banks in the rational use of fintech and enhanced risk management.