当前，我国金融业数字化转型从多点突破进入深化和高质量发展的新阶段，需要协调包括管理部门、企业、个人在内的多元主体形成协同共治机制；针对数字化转型背景下产生的新型、复杂、潜在危害突出的金融风险问题，构建并提升金融风险监测与预警能力以切实保障金融安全，是金融业需要关注和亟待解决的核心课题。本文通过文献调研、理论分析等方式，分析了我国金融业数字化转型的进展、新型金融风险的内涵及特征，梳理了国内外主流的金融风险监测与预警技术进展，研判了金融风险监测与预警体系面临的风险表征识别、风险传导追踪、风险推理评估等方面的突出问题，提出了数字化转型背景下金融风险监测与预警体系的总体框架、创新研究方法、提升路径。研究发现，数字化转型背景下金融风险具有更新迭代更快、风险频次更高、隐蔽性更强等新特征，现有金融风险监测与预警技术在应对新型金融风险时存在诸多不足，面临着风险难表征、难追踪、难评估等诸多挑战。为此建议，加强行业协同、构建金融数据跨业共享标准，总结历史经验、形成金融风险知识表征范式与金融风险跨业传导机制，深化人工智能应用、构建金融风险监测与预警大模型，以提高我国金融风险防范水平、维护国家金融安全。

Currently, the digital transformation of the financial industry in China has moved from multiple breakthroughs into a new stage of deepening and high-quality development, which necessitates a collaborative governance mechanism that coordinates multiple parties including governments, enterprises, and individuals. In view of the new, complex, and potentially harmful financial risks arising in the context of digital transformation, the financial industry urgently needs to improve its financial risk monitoring and early-warning capabilities to effectively protect financial security. This study analyzes the progress of digital transformation of the financial industry as well as the implications and characteristics of new financial risks through literature research and theoretical analysis. It also investigates the mainstream financial risk monitoring and early-warning technologies in China and abroad, and clarifies the prominent problems regarding risk characterization and recognition, transmission and tracking, and inference assessment. Furthermore, we propose the overall framework, innovative research methods, and improving paths for the financial risk monitoring and early-warning system in the context of digital transformation. This study reveals that financial risks have new characteristics in the context of digital transformation, such as faster update and iteration, higher risk frequency, and stronger concealment. Existing financial risk monitoring and early-warning technologies have numerous deficiencies and face multiple challenges in dealing with new financial risks, such as difficulty in characterizing, tracking, and assessing risks. Therefore, to improve the financial risk prevention capability of China and guarantee national financial security, it is proposed to develop cross-industry sharing standards for financial data, establish a knowledge representation paradigm and a cross-industry transmission mechanism of financial risks, and build a large model regarding financial risk monitoring and early warning.