Against the backdrop of financial system reform

the optimization of risk management mechanisms in commercial banks is of paramount importance. Currently

commercial banks have established a multi-layered risk management framework

yet they still face challenges such as the impact of fintech

insufficient data quality

and poor internal coordination. Optimization strategies include leveraging big data and artificial intelligence technologies to enhance the precision of risk assessment

improving internal governance to strengthen interdepartmental collaboration

and expanding risk management tools to bolster risk hedging capabilities. Practical evidence demonstrates that these measures effectively improve banks' ability to identify and manage risks

reducing non-performing loan ratios and market risk losses. In the future

commercial banks must continue to deepen risk management reforms to adapt to market changes and ensure the stable operation of the financial system.