Risk Management of Commercial Banks under the Enabling Role of Digital Finance: Mechanisms of Influence and Strategic Optimization

Abstract

In the context of the digital transformation of the banking industry, this study explores the integration of fintech into the operations of commercial banks, with a particular focus on its impact on risk management. The research is conducted from three core dimensions: the intermediary role of third-party payment platforms in data utilization, the impact of P2P online lending on the bank's capital structure, and the influence of big data credit reporting and financial digitization on the institution's capacity building. Based on the research questions in the text, this study assesses the effectiveness of commercial banks' risk management in terms of technological progress, digital literacy, cybersecurity, infrastructure resilience, and customer trust. Additionally, it examines the differences between technologically advanced banks and technologically lagging banks, as well as the dynamic relationships between digital literacy providers, customer trust, and institutional loyalty. Hypotheses are proposed regarding the intermediary role of third-party platforms, the disruptive impact of P2P lending, and the positive contributions of big data and internet-based finance to comprehensive risk governance. These research results aim to provide practical and feasible insights for formulating robust and adaptable risk management strategies in the digital age.