市场调查报告书
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银行风险管理系统的全球市场:分析 - 按部署、按功能、按公司规模、按最终用户、按地区、预测(至 2030 年)Risk Management Systems in Banks Market Forecasts to 2030 - Global Analysis By Deployment, Functionality, Enterprise Size, End User and by Geography |
预计2024年全球银行风险管理系统市场规模将达112.1亿美元,2030年将达263.3亿美元。
银行需要风险管理系统,因为它是识别、评估和减轻日常业务中各种风险的重要机制。上述体係由旨在保护银行资源、保护法规合规性和确保金融稳定的各种程序、措施和策略所组成。
国际货币基金组织(IMF)表示,有效的风险管理系统对于维持金融稳定和促进银行业永续经济成长至关重要。
金融稳定担忧
过去金融危机,特别是2008年全球金融危机的影响凸显了有效的风险管理对于维持系统性金融稳定的重要性。银行必须使用强有力的风险管理程序和压力测试技术来检测和减轻系统性风险,例如连结性和外溢效应。它还包括情境分析、宏观经济指标监测以及对各种资产类别的全面风险评估,以预测和减轻可能危及金融体系稳定的潜在系统性衝击。
资料可访问性和品质较差
准确、及时的资料对于有效的风险管理、风险建模、评估风险和做出明智的决策至关重要。儘管如此,银行仍经常面临资料可得性、完整性和品质方面的挑战。此外,不良的资料品质可能会降低风险评估的可靠性并限制风险管理技术的有效性,导致决策不理想并增加风险暴露。
采用新兴技术
人工智慧 (AI)、机器学习 (ML) 和巨量资料分析等技术的快速进步为银行提高风险管理能力提供了巨大潜力。透过使用人工智慧和机器学习演算法即时分析大量资料,银行可以发现趋势和异常情况,并更好地预测潜在风险。此外,巨量资料分析透过提供对消费行为、市场趋势和风险敞口的深入洞察,帮助银行做出资料主导的决策并制定更强有力的风险缓解计画。
市场波动和经济不确定性
由于金融市场波动、景气衰退和地缘政治事件,银行在管理市场、信贷和流动性风险方面面临挑战。市场波动会导致资产价格变化、资金筹措限制和交易对手信用风险敞口变化,进而影响盈利和资本充足率。此外,地缘政治不稳定和经济不确定性可能会加剧系统性风险,从而削弱金融弹性。为了减轻不利市场条件的影响并防范系统性风险,银行必须实施强而有力的风险管理策略、压力测试程序和情境分析技术。
COVID-19 大流行对银行业造成了重大破坏,包括业务挑战、监管行动和经济混乱。封锁措施、供应链中断和不确定性增加导致经济活动减少、信用风险增加和市场波动加剧。由于贷款损失上升、利差压缩和流动性限制,银行现在需要更大的资本缓衝和准备金来吸收损失。此外,数位转型工作和远距工作的增加强调了网路安全和技术弹性的重要性。
预计风险监控产业在预测期内将是最大的
预计风险监控将占据最大的市场占有率。风险监控涉及对信用风险、市场风险、流动性风险、操作合规风险等多个风险类别进行持续观察和追踪。它还包括即时监控新出现的风险、预警征兆和关键风险指标,以发现偏离风险偏好阈值的情况并采取必要的行动。透过利用资料分析、机器学习演算法和仪表板视觉化工具,先进的风险监控系统可以及时洞察风险敞口,帮助银行优化风险回报权衡,并让您主动管理风险
预计 BFSI 细分市场在预测期内复合年增长率最高
在银行风险管理系统市场中,银行、金融服务和保险(BFSI)行业预计将经历最高的复合年增长率。 BFSI产业面临复杂且动态的风险环境,包括信用风险、市场风险、流动性风险、营运风险和监管风险,因此迫切需要保护金融稳定并确保监管合规。此外,银行正在投资先进的风险管理系统,以提高识别、评估、减轻和监控风险的能力,以应对银行服务、网路威胁和监管监督的日益数位化。
当谈到银行风险管理系统市场时,北美通常占据最大份额。北美拥有发达的银行业,其特点是严格的法律法规、先进的风险管理技术和最尖端科技的传播。由于存在重要的银行地点、严格的法律规范以及日益增长的网路安全问题等因素,该地区的银行需要强大的风险管理解决方案。此外,该地区蓬勃发展的金融科技生态系统以及对创新和数位转型的关注正在推动对尖端风险管理技术的投资。
银行风险管理系统市场复合年增长率最高的是欧洲。欧洲面临多元化的银行业环境,既有成熟的银行,也有面临挑战的银行。他们还面临着日益增加的网路安全威胁、数位转型的需求以及不断变化的监管要求。为了维持金融稳定,遵守巴塞尔协议 III 等严格的监管要求,并解决网路犯罪和资料隐私问题等新出现的风险,欧洲银行高度重视风险管理。此外,该地区对永续金融以及环境、社会和管治(ESG)的关注也支持采用创造性的风险管理策略。
According to Stratistics MRC, the Global Risk Management Systems in Banks Market is accounted for $11.21 billion in 2024 and is expected to reach $26.33 billion by 2030 growing at a CAGR of 15.3% during the forecast period. Banks need risk management systems because they are essential structures meant to recognize, evaluate, and reduce the many kinds of risks that are part of their daily business. The aforementioned systems comprise an assortment of procedures, instruments, and tactics designed to preserve the bank's resources, uphold legal observance, and guarantee economic steadiness.
According to the International Monetary Fund (IMF), Effective risk management systems are essential for maintaining financial stability and promoting sustainable economic growth in the banking sector.
Concerns about financial stability
The fallout from previous financial crises, most notably the global financial crisis of 2008, emphasizes how crucial efficient risk management is to preserving financial stability on a systemic level. Banks must use strong risk management procedures and stress testing techniques to detect and reduce systemic risks, such as connectivity and spillover effects. Additionally, this includes scenario analysis, macroeconomic indicator monitoring, and thorough risk assessment across a range of asset classes in order to foresee and reduce potential systemic shocks that might jeopardize the stability of the financial system.
Low data accessibility and quality
Accurate and timely data is essential for effective risk management in order to model risks, evaluate exposures, and make well-informed decisions. Nonetheless, banks frequently face difficulties with data availability, completeness, and quality, particularly when working with different data sources and outdated systems. Furthermore, inadequate data quality can compromise risk assessments dependability and restrict the efficacy of risk management techniques, resulting in less-than-ideal decision-making and heightened risk exposure.
Adoption of emerging technologies
The swift progression of technologies like artificial intelligence (AI), machine learning (ML), and big data analytics offers banks substantial prospects to improve their risk management proficiencies. Large volumes of data can be analyzed in real time by AI and an ML algorithm, which helps banks find trends, spot abnormalities, and more accurately forecast possible risks. Moreover, big data analytics helps banks make data-driven decisions and create more potent risk mitigation plans by offering deeper insights into consumer behavior, market trends, and risk exposures.
Volatility of the markets and economic uncertainties
Banks face difficulties in managing market, credit, and liquidity risks due to fluctuations in financial markets, economic downturns, and geopolitical events. Market volatility can affect profitability and capital adequacy by causing changes in asset prices, funding limitations, and exposure to counterparty credit risk. Furthermore, systemic risks can be made worse by geopolitical unrest and economic uncertainty, which weaken financial resilience. In order to mitigate the effects of unfavorable market conditions and protect against systemic risks, banks need to implement strong risk management strategies, stress testing procedures, and scenario analysis techniques.
The COVID-19 pandemic has caused significant disruptions to the banking industry, including operational difficulties, regulatory actions, and economic turmoil. Reduced economic activity, elevated credit risks, and increased market volatility have resulted from lockdown measures, supply chain disruptions, and increased uncertainty. Due to increasing loan losses, margin compression, and liquidity constraints, banks now need larger capital buffers and provisions to absorb losses. Additionally, the rise in digital transformation initiatives and remote work arrangements emphasizes the significance of cyber security and technology resilience.
The Risk Monitoring segment is expected to be the largest during the forecast period
It is projected that risk monitoring will command the largest market share. Risk monitoring entails the ongoing observation and tracking of multiple risk categories, such as credit, market, liquidity, operational, and compliance risks. Moreover, this section includes real-time monitoring of emerging risks, early warning signs, and key risk indicators in order to spot departures from risk appetite thresholds and take the necessary action. By utilizing data analytics, machine learning algorithms, and dashboard visualization tools, advanced risk monitoring systems enable banks to optimize risk-return trade-offs and manage risks proactively by providing timely insights into risk exposures.
The BFSI segment is expected to have the highest CAGR during the forecast period
In the Risk Management Systems in Banks Market, the Banking, Financial Services, and Insurance (BFSI) industry is projected to have the highest CAGR. Strong risk management frameworks are necessary to protect financial stability and guarantee regulatory compliance in the BFSI sector because of the complex and dynamic risk landscapes it faces, which include credit, market, liquidity, operational, and regulatory risks. Additionally, banks are investing in sophisticated risk management systems to improve risk identification, assessment, mitigation, and monitoring capabilities in response to the growing digitization of banking services, cyber threats, and regulatory scrutiny.
When it comes to the market for risk management systems in banks, North America usually has the largest share. North America has a well-developed banking sector that is distinguished by strict legal regulations, sophisticated risk management techniques, and the widespread use of cutting-edge technologies. The need for strong risk management solutions among banks in the region is driven by factors like the existence of significant banking hubs, stringent regulatory oversight, and growing cyber security concerns. Furthermore, investments in cutting-edge risk management technologies are fuelled by the region's thriving fintech ecosystem and a strong emphasis on innovation and digital transformation.
The European region has the highest CAGR in the risk management systems market for banks. Europe faces a banking landscape that is diverse, with both established institutions and challenger banks. It also faces growing cybersecurity threats, digital transformation imperatives, and evolving regulatory requirements. In order to preserve financial stability, adhere to strict regulatory requirements like Basel III, and handle new risks like cybercrime and data privacy issues, European banks place a high priority on risk management. Moreover, the adoption of creative risk management strategies is fueled by the region's emphasis on sustainable finance and environmental, social, and governance (ESG) considerations.
Key players in the market
Some of the key players in Risk Management Systems in Banks market include Palisade Corporation, Fiserv Inc., LogicManager Inc, Moody's Investors Service Inc., International Business Machines (IBM), Oracle, Lockpath Inc., Sword GRC, Xactium, IBM Risk Analytics and Qualys Inc.
In December 2023, IBM announced that it has entered into a definitive agreement with Software AG (FRA: SOW), a company majority owned by Silver Lake, to purchase StreamSets and webMethods, Software AG's Super iPaaS (integration platform-as-a-service) enterprise technology platforms, for €2.13 billion in cash.
In August 2023, Fiserv, Inc., a leading global provider of payments and financial services technology, and Akoya, an API-only network for the consumer-permissioned sharing of financial data, are collaborating to enable secure data sharing among financial institutions, their customers, and the third parties with which they do business.