市場調查報告書
商品編碼
1511292
銀行風險管理系統的全球市場:分析 - 按部署、按功能、按公司規模、按最終用戶、按地區、預測(至 2030 年)Risk Management Systems in Banks Market Forecasts to 2030 - Global Analysis By Deployment, Functionality, Enterprise Size, End User and by Geography |
預計2024年全球銀行風險管理系統市場規模將達112.1億美元,2030年將達263.3億美元。
銀行需要風險管理系統,因為它是識別、評估和減輕日常業務中各種風險的重要機制。上述體係由旨在保護銀行資源、保護法規合規性和確保金融穩定的各種程序、措施和策略所組成。
國際貨幣基金組織(IMF)表示,有效的風險管理系統對於維持金融穩定和促進銀行業永續經濟成長至關重要。
金融穩定擔憂
過去金融危機,特別是2008年全球金融危機的影響凸顯了有效的風險管理對於維持系統性金融穩定的重要性。銀行必須使用強力的風險管理程序和壓力測試技術來檢測和減輕系統性風險,例如連結性和外溢效應。它還包括情境分析、宏觀經濟指標監測以及對各種資產類別的全面風險評估,以預測和減輕可能危及金融體系穩定的潛在系統性衝擊。
資料可訪問性和品質較差
準確、及時的資料對於有效的風險管理、風險建模、評估風險和做出明智的決策至關重要。儘管如此,銀行仍經常面臨資料可得性、完整性和品質方面的挑戰。此外,不良的資料品質可能會降低風險評估的可靠性並限制風險管理技術的有效性,導致決策不理想並增加風險暴露。
採用新興技術
人工智慧 (AI)、機器學習 (ML) 和巨量資料分析等技術的快速進步為銀行提高風險管理能力提供了巨大潛力。透過使用人工智慧和機器學習演算法即時分析大量資料,銀行可以發現趨勢和異常情況,並更好地預測潛在風險。此外,巨量資料分析透過提供對消費行為、市場趨勢和風險敞口的深入洞察,幫助銀行做出資料主導的決策並制定更強力的風險緩解計畫。
市場波動和經濟不確定性
由於金融市場波動、景氣衰退和地緣政治事件,銀行在管理市場、信貸和流動性風險方面面臨挑戰。市場波動會導致資產價格變化、資金籌措限制和交易對手信用風險敞口變化,進而影響盈利和資本充足率。此外,地緣政治不穩定和經濟不確定性可能會加劇系統性風險,從而削弱金融彈性。為了減輕不利市場條件的影響並防範系統性風險,銀行必須實施強而有力的風險管理策略、壓力測試程序和情境分析技術。
COVID-19 大流行對銀行業造成了重大破壞,包括業務挑戰、監管行動和經濟混亂。封鎖措施、供應鏈中斷和不確定性增加導致經濟活動減少、信用風險增加和市場波動加劇。由於貸款損失上升、利差壓縮和流動性限制,銀行現在需要更大的資本緩衝和準備金來吸收損失。此外,數位轉型工作和遠距工作的增加強調了網路安全和技術彈性的重要性。
預計風險監控產業在預測期內將是最大的
預計風險監控將佔據最大的市場佔有率。風險監控涉及對信用風險、市場風險、流動性風險、操作合規風險等多個風險類別進行持續觀察和追蹤。它還包括即時監控新出現的風險、預警徵兆和關鍵風險指標,以發現偏離風險偏好閾值的情況並採取必要的行動。透過利用資料分析、機器學習演算法和儀表板視覺化工具,先進的風險監控系統可以及時洞察風險敞口,幫助銀行最佳化風險回報權衡,並讓您主動管理風險
預計 BFSI 細分市場在預測期內複合年成長率最高
在銀行風險管理系統市場中,銀行、金融服務和保險(BFSI)行業預計將經歷最高的複合年成長率。 BFSI產業面臨複雜且動態的風險環境,包括信用風險、市場風險、流動性風險、營運風險和監管風險,因此迫切需要保護金融穩定並確保監管合規。此外,銀行正在投資先進的風險管理系統,以提高識別、評估、減輕和監控風險的能力,以應對銀行服務、網路威脅和監管監督的日益數位化。
當談到銀行風險管理系統市場時,北美通常佔據最大佔有率。北美擁有發達的銀行業,其特點是嚴格的法律法規、先進的風險管理技術和最尖端科技的傳播。由於存在重要的銀行地點、嚴格的法律規範以及日益成長的網路安全問題等因素,該地區的銀行需要強大的風險管理解決方案。此外,該地區蓬勃發展的金融科技生態系統以及對創新和數位轉型的關注正在推動對尖端風險管理技術的投資。
銀行風險管理系統市場複合年成長率最高的是歐洲。歐洲面臨多元化的銀行業環境,既有成熟的銀行,也有面臨挑戰的銀行。他們還面臨著日益增加的網路安全威脅、數位轉型的需求以及不斷變化的監管要求。為了維持金融穩定,遵守巴塞爾協議 III 等嚴格的監管要求,並解決網路犯罪和資料隱私問題等新出現的風險,歐洲銀行高度重視風險管理。此外,該地區對永續金融以及環境、社會和管治(ESG)的關注也支持採用創造性的風險管理策略。
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.