Core Viewpoint - Commercial banks are facing a new normal where external risks outweigh internal risks, and macro risks surpass micro risks, necessitating a shift from traditional risk management to a more proactive and systematic risk governance paradigm [2] Group 1: External Risks and Challenges - Geopolitical conflicts, technological disruptions, and policy shifts are significant external uncertainties impacting banks' strategic security and operational resilience [2] - Traditional, static risk prevention methods are insufficient to meet the challenges posed by this complex environment [2] Group 2: Information Integration and Risk Governance - Banks need to establish a dynamic, intelligent risk intelligence system to integrate information across business and risk functions, addressing issues like "data silos" and "information lag" [2][3] - A comprehensive information collection and analysis framework should be built, covering macro, meso, and micro levels to identify risk and opportunity factors [3] Group 3: AI and Risk Monitoring - The introduction of AI technologies, such as machine learning and natural language processing, can enhance real-time analysis of vast amounts of structured and unstructured data, improving early risk signal detection [5] - A digital bank's "AphaMo" project exemplifies the use of AI to achieve significant improvements in risk feature extraction efficiency and risk differentiation [5] Group 4: Strategic Risk Management - Establishing a "strategic risk agile team" with cross-departmental authority can facilitate rapid resource allocation and coordination in response to major risk events [13] - Banks should balance risk and growth by integrating risk assessment into business decision-making processes, ensuring that risk management is not seen as opposing business development [14] Group 5: Decision-Making and Governance - A restructured decision-making mechanism is necessary to ensure that business and risk functions are aligned, with a focus on maintaining a balance of power and appropriate assessment incentives [14] - The integration of risk and opportunity assessments into strategic management processes is essential for adapting to environmental changes and emerging risks [15] Group 6: Proactive Risk Management - A comprehensive risk evaluation system should be developed, linking risk assessment results to the bank's overall evaluation framework, influencing resource allocation and strategic decisions [17][18] - The goal is to create a closed-loop management system that integrates risk, assessment, and strategy, enhancing the bank's resilience in uncertain environments [18]