This paper explores how digital finance can reduce corporate debt default risks and constructs a theoretical framework from the perspective of risk management theory. The study finds that digital finance effectively reduces corporate debt default risks through six dimensions: improving information transparency, optimizing debt structure, enhancing risk management capabilities, reducing financing costs, increasing debt repayment efficiency, and innovating risk management tools. Through case analysis, this paper specifically illustrates the application of digital finance under the risk management theory framework using examples such as Ant Financial, JD Finance, and Tencent Wealth Management, and summarizes its implications for corporate debt risk management. The research results show that digital financial technology has a significant positive impact on reducing corporate debt default risks, but it also carries certain risks. Therefore, companies need to establish and improve their risk prevention systems when using digital finance to reduce debt risks to ensure the stability of financial markets and the healthy development of enterprises.

Zang Yidan, Wu Wanqi. Digital Finance in Reducing Corporate Debt Default Risk: From the Perspective of Risk Management Theory. Academic Journal of Business & Management (2025), Vol. 7, Issue 1: 154-162. https://doi.org/10.25236/AJBM.2025.070121.

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