Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management

Tianhui Chang

doi:10.47297/wspciWSP2516-252720.20261002

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Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management

10卷第2期

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Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management
Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management
Xi'an Jiaotong-Liverpool University, Suzhou, Jiangsu, 215123, China
2026年10卷第2期页码：97-100
纸质出版：2026-04-30
DOI：10.47297/wspciWSP2516-252720.20261002
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Tianhui Chang. (2026). Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management. 创意与创新（英文版）, 10(2), 97-100.

Chang Tianhui.Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management[J].Creativity and Innovation,2026,10(02):97-100.
Tianhui Chang. (2026). Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management. 创意与创新（英文版）, 10(2), 97-100. DOI： 10.47297/wspciWSP2516-252720.20261002.

Chang Tianhui.Research on the Application and Improvement of Financial Statistics in Commercial Bank Risk Management[J].Creativity and Innovation,2026,10(02):97-100. DOI： 10.47297/wspciWSP2516-252720.20261002.

摘要

Abstract

As a core tool for quantitative analysis

financial statistics plays a fundamental role in commercial bank risk management. This paper systematically elaborates the specific applications of financial statistics in credit risk

market risk

operational risk and liquidity risk management

analyzes existing problems including low statistical data quality

insufficient model effectiveness

shortage of technical talents and inadequate regulatory coordination

and puts forward countermeasures such as improving the data governance system

optimizing statistical model methods

strengthening talent team construction and perfecting the regulatory coordination mechanism. The study holds that continuously deepening the integration of financial statistics and risk management is an effective path to enhance commercial banks' ability in risk identification

measurement

monitoring and control.

关键词

Keywords

references

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