摘要:
本文对我国商业银行的借贷款业务流程进行总结和量化，得到了我国商业银行借贷款业务的贝叶斯网络图，以中国工商银行为例，对其借贷款业务的操作风险进行了分析和控制。运用红黄绿信号灯模型，对各个业务环节的操作风险以红黄绿信号灯显示方式进行预警，使各业务环节的操作风险一目了然，便于实际操作中对风险进行分析和控制。
Abstract: In this paper, we summed up and quantified the business process of the loans of commercial banks in China, and obtained Bayesian network diagram of our country’s commercial bank loan business. We ana- lyzed and controlled operational risk of loans business, we took the Industrial and Commercial Bank of China for example. We use the red-yellow-green signal light model to warn the operational risk of the various busi- ness links, make each link of operational risk be more clear and make the risk in practice be analyzed and controlled easier.