基于业务流程复杂网络的中国商业银行操作风险控制研究

The operation system in commercial banks is essentially a complex network which is consist of a variety of elements, such as posts (departments)，rules and regulations，technical methods，internal and external information, etc. The increasing scale of commercial banks and their frequently occurred operational risk highlighted the importance of recognizing the propagation law of the operational risk in commercial banks, and providing corresponding operational risk control methods. This study focuses on the above scientific question through a new perspective of complex network modeling approach. This study aims to innovate and develop the complex network modeling principles and methods of operational risk so as to reflect the logical relationship among posts, departments and business in commercial banks; develop the simulation algorithm of operational risk based on complex network analysis, to explore the risk propagation law and pattern in the business process of commercial banks; discover ways of business process reengineering, thus provide new operational risk control tools and methods for commercial banks according to the complex network optimization theory. This study will enrich and deepen the scientific understanding of the propagation law of the operational risk in commercial banks and promote the application of the business process complex networks in controlling the operational risk of commercial banks. It will provide solid scientific thoughts and technical methods for the commercial banks of China in controlling the operational risk.

商业银行业务系统本质是由岗位（部门）、规章制度、技术方法、内外部信息等多元素构成的业务流程复杂网络。商业银行规模的不断增大和操作风险事件的频发凸显出认识商业银行操作风险传播规律，并提供相应的操作风险控制手段的重要性。复杂网络建模理论的迅猛发展和应用领域的不断扩展，为获得这种科学认识提供了一种新途径。 本研究拟创新与发展反映岗位、部门和业务间逻辑关系的商业银行操作风险复杂网络建模原理与方法；基于复杂网络分析，设计操作风险传播仿真算法，探索操作风险在商业银行业务流程中传播与扩散规律；进而遵循复杂网络优化理论，提出商业银行业务流程再造方案，提出操作风险控制新方法和新工具。 本研究将丰富与深化对商业银行操作风险传播扩散规律的科学认识，推动业务流程复杂网络在商业银行操作风险控制方面的应用，为中国商业银行操作风险控制提供扎实的科学思想和技术手段。

商业银行业务系统本质是由岗位（部门）、规章制度、技术方法、内外部信息等多元素构成的业务流程复杂网络。商业银行规模的不断增大和操作风险事件的频发凸显出认识商业银行操作风险传播规律，并提供相应的操作风险控制手段的重要性。复杂网络建模理论的迅猛发展和应用领域的不断扩展，为获得这种科学认识提供了一种新途径。.本研究创新与发展反映岗位、部门和业务间逻辑关系的商业银行操作风险复杂网络建模原理与方法；基于复杂网络分析，设计操作风险传播仿真算法，探索操作风险在商业银行业务流程中传播与扩散规律；进而遵循复杂网络优化理论，提出商业银行业务流程再造方案，提出操作风险控制新方法和新工具。.本研究丰富与深化对商业银行操作风险传播扩散规律的科学认识，推动业务流程复杂网络在商业银行操作风险控制方面的应用，为中国商业银行操作风险控制提供扎实的科学思想和技术手段。