人工智能与数字金融技术协同赋能企业 合规治理与跨境结算优化研究

关键词:

摘要

在企业经营数字化与跨境电商加速发展的背景下，合规风险识别与跨境资金结算面临信息分散、流程割裂和人工核验成本较高等挑战。本文以企业数字化治理为共同分析视角，结合代理理论和信息不对称理论，采用文献梳理、机制推演与应用场景分析方法，构建涵盖风险识别、过程控制、信息留痕与协同治理的分析框架。在企业合规治理场景中，重点探讨人工智能在财务信息处理、异常交易识别、内部控制和违规风险预警中的应用路径，同时关注风险识别能力提升对已记录违规行为的影响。在跨境结算场景中，分析数字人民币、分布式账本等数字金融技术对支付流程、对账效率、交易可追溯性及外汇风险敞口管理的潜在作用。在此基础上，进一步讨论人工智能的动态风险识别能力与数字金融基础设施的可信记录能力如何通过数据互通、规则嵌入和审计追溯形成互补，并梳理数据质量、隐私保护、监管协调与系统互操作性等制约因素。本文提出面向企业合规治理与跨境结算优化的整合性分析思路，为相关技术应用与后续实证检验提供参考。

文献引用

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