金融数字化背景下金融数据治理困境与对策
摘 要
随着数字经济的快速发展，金融数据的价值日益凸显，成为金融机构提升竞争力、实现业务创新和风险管理的重要基础。本文围绕金融数字化背景下的金融数据治理展开研究，首先概述了数据治理理论、金融科技理论和风险管理理论，为金融数据治理提供了理论支撑。随后，深入分析了金融数据治理在提升数据质量、促进业务创新和强化风险管理方面的作用，并揭示了当前金融数据治理面临的困境，包括数据标准不统一、数据安全隐患、数据共享障碍和数据准确性不足等问题。针对这些问题，本文提出了建立统一的数据标准体系、加强数据安全与隐私保护、建立数据共享平台和完善数据质量监控体系等对策。通过本文的研究，旨在为金融机构提供有效的金融数据治理策略，助力其应对数字化时代的挑战，实现可持续发展。
关键词：金融数字化 数据治理 数据标准
Abstract
With the rapid development of digital economy, the value of financial data has become increasingly prominent, which has become an important basis for financial institutions to enhance their competitiveness and realize business innovation and risk management. This paper focuses on the financial data governance under the background of financial digitalization. It first summarizes the data governance theory, financial technology theory and risk management theory, which provides theoretical support for financial data governance. Subsequently, it deeply analyzes the role of financial data governance in improving data quality, promoting business innovation and strengthening risk management, and reveals the difficulties of current financial data governance, including inconsistent data standards, data security risks, barriers to data sharing and insufficient data accuracy. In view of these problems, this paper puts forward some countermeasures, such as establishing a unified data standard system, strengthening data security and privacy protection, establishing data sharing platform and improving data quality monitoring system. Through the research, this paper aims to provide effective financial data governance strategies for financial institutions, help them cope with the challenges of the digital age and achieve sustainable development.
Keywords:Financial digitization data governance data standards
目 录
1 引言 1
2 相关理论概述 1
2.1 数据治理理论 1
2.2 金融科技理论 2
2.3 风险管理理论 2
3 金融数据治理的作用 2
3.1 提升数据质量 2
3.2 促进业务创新 3
4 金融数据治理困境 3
4.1 数据标准不统一 3
4.2 数据安全隐患 3
4.3 数据共享障碍 4
4.4 数据准确性不足 4
5 金融数字化背景下金融数据治理对策 4
5.1 建立统一的数据标准体系 4
5.2 加强数据安全与隐私保护 5
5.3 建立数据共享平台 5
5.4 完善数据质量监控体系 5
6 结论 6
致 谢 7
参考文献 8
摘 要
随着数字经济的快速发展，金融数据的价值日益凸显，成为金融机构提升竞争力、实现业务创新和风险管理的重要基础。本文围绕金融数字化背景下的金融数据治理展开研究，首先概述了数据治理理论、金融科技理论和风险管理理论，为金融数据治理提供了理论支撑。随后，深入分析了金融数据治理在提升数据质量、促进业务创新和强化风险管理方面的作用，并揭示了当前金融数据治理面临的困境，包括数据标准不统一、数据安全隐患、数据共享障碍和数据准确性不足等问题。针对这些问题，本文提出了建立统一的数据标准体系、加强数据安全与隐私保护、建立数据共享平台和完善数据质量监控体系等对策。通过本文的研究，旨在为金融机构提供有效的金融数据治理策略，助力其应对数字化时代的挑战，实现可持续发展。
关键词：金融数字化 数据治理 数据标准
Abstract
With the rapid development of digital economy, the value of financial data has become increasingly prominent, which has become an important basis for financial institutions to enhance their competitiveness and realize business innovation and risk management. This paper focuses on the financial data governance under the background of financial digitalization. It first summarizes the data governance theory, financial technology theory and risk management theory, which provides theoretical support for financial data governance. Subsequently, it deeply analyzes the role of financial data governance in improving data quality, promoting business innovation and strengthening risk management, and reveals the difficulties of current financial data governance, including inconsistent data standards, data security risks, barriers to data sharing and insufficient data accuracy. In view of these problems, this paper puts forward some countermeasures, such as establishing a unified data standard system, strengthening data security and privacy protection, establishing data sharing platform and improving data quality monitoring system. Through the research, this paper aims to provide effective financial data governance strategies for financial institutions, help them cope with the challenges of the digital age and achieve sustainable development.
Keywords:Financial digitization data governance data standards
目 录
1 引言 1
2 相关理论概述 1
2.1 数据治理理论 1
2.2 金融科技理论 2
2.3 风险管理理论 2
3 金融数据治理的作用 2
3.1 提升数据质量 2
3.2 促进业务创新 3
4 金融数据治理困境 3
4.1 数据标准不统一 3
4.2 数据安全隐患 3
4.3 数据共享障碍 4
4.4 数据准确性不足 4
5 金融数字化背景下金融数据治理对策 4
5.1 建立统一的数据标准体系 4
5.2 加强数据安全与隐私保护 5
5.3 建立数据共享平台 5
5.4 完善数据质量监控体系 5
6 结论 6
致 谢 7
参考文献 8
