Page 46 - CCFA Journal - Second Issue

加中金融

数字经济时代风险管理数字化的思考

Thoughts on Digitalization of Risk Management

【作者】王文峰博士，曾经担任海航资本管理公司的风控总监、联讯证券股
份有限公司监事会主席、渤海金控投资股份有限公司首席风险官、天合国际
融资租赁有限公司首席风险官，目前担任北京国资融资租赁股份有限公司分
管风控的副总裁，同时还兼任中国企业财务管理协会风险管理专家委员、亚
洲风险与危机管理协会专家委员，在风险管理领域从事研究和实务工作近 20
年。

Dr. Wang Wenfeng, has served as general manager of HNA Capital Management
Company, chairman of the Supervisory Board of Lian Xun Securities Co., Ltd., chief
risk officer of Bohai Financial Investment Holding Co.,Ltd., chief risk officer of
SkyCo International Financial Leasing Co., Ltd., and currently serves as vice
president of Beijing Guozi Financial Leasing Co., Ltd., and also serves as a risk
management expert of China Enterprise Financial Management Association and
an expert member of the Asian Risk and Crisis Management Association. , with nearly 20 years of experience in risk management.

【引言】

随着互联网技术、信息通信技术的广泛、深度运用，以及电子商务新模式、新业态的不断涌现，人类社会生产生活方式正在发生深刻
变革，一个数字世界正处在加速构建过程中，通过对物理世界从逐步仿真发展到全镜像，能够极大地提升人类开发数字世界和改造物
理世界的能力。信息化时代，风险管理已成为企业创新发展的基本性保障，风险管理数字化发展趋势已势不可挡，风险管理数字化是
企业业务流程和风险管理流程与信息化技术的紧密结合。随着企业对信息技术的依赖性的增强，加强风险管理数字化建设，成为越来
越多企业关注的焦点。本文由天风证券股份有限公司首席风险官王勇博士推荐。

Introduction
With the extensive and deep application of Internet, information and communication technology, as well as the emergence of new business
models of e-commerce. The lifestyle of human society is undergoing profound changes, and a digital world is in the process of accelerating
construction, through the development of the physical world from gradual simulation to full mirroring. In the information age, risk
management has become the basic guarantee of enterprise innovation and development. The trend of risk management digitalization has
become unstoppable, and risk management digitization is a tight combination of enterprise business, risk management and information
technology. With the enhancement of enterprises' dependence on IT, strengthening the digitalization of risk management has become the
focus of more and more enterprises. This article is referred by Dr. Yong Wang, the CRO of Tianfeng Securities.

1. 经济运行的数字化生态系统逐步建立 1. Digital ecosystem of economic operation is gradually
established
进入 21 世纪以来，互联网及金融科技公司崛起、信息壁 Since the beginning of the 21st century, the rise of Internet and
垒被打破，大数据和信息科技正逐步颠覆传统企业过往的 fintech, the breaking of information barriers, big data and IT are
业务模式。围绕互联网展开的企业数字化生态系统得到建 gradually subverting the traditional business model. The world
立，客户消费行为偏好发生变化、互联网销售渠道与产品 is transitioning from an industrial economy to a digital economy
得到创新、互联网经济与传统线下经济相互竞争等因素促 leaping along the digital, networking and intelligent stages.
使传统产业向数字化方向转型。全球正在由工业经济向数 According to the White Paper on China's Digital Economic
字经济转型过渡，制造业正在并将长期处于数字化转型发 Development (2020) by the China Information and
展的历史阶段，沿着数字化、网络化、智能化阶段不断跃 Communication Research Institute, the value added of China's
升。中国信息通信研究院发布《中国数字经济发展白皮 digital economy reached to 35.8 trillion yuan in 2019,
书 （2020 年）》显示，2019 年我国数字经济增加值规模 accounting for 36.2% of GDP. According to the 45th Statistical
达到 35.8 万亿元，占 GDP 比重达到 36.2%。中国互联网络 Report on the Development of China's Internet network
信息中心（CNNIC）2020 年 4 月 28 日发布的第 45 次《中 released by the China Internet Network Information Center
国互联网络发展状况统计报告》显示，截至 2020 年 3 月， (CNNIC) on April 28, 2020, as of March 2020, China's Internet
我国网民规模为 9.04 亿人，互联网普及率达 64.5%，数字 users had 904 million people, the Internet penetration rate
经济发展的用户基础越发坚实。根据中国互联网协会发布 reached 64.5%, and the user base of digital economic
的《中国互联网发展报告 2020》显示，我国 2019 年电子 development was becoming more solid. According to the China
商务交易规模已经达到 34.81 万亿元，连续多年位居全球 Internet Development Report 2020 released by the China
电子商务市场首位；网络支付交易额达 249.88 万亿元， Internet Association, China's e-commerce transactions in 2019
移动支付普及率处于世界领先水平。 have reached 34.81 trillion yuan, ranking the world’s leading
spot.

CCFA JOURNAL OF FINANCE DECEMBER 2020
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