The Research On Outsourcing Risk Measurement And Management In Chinese Commercial Banks

With the rapid development of finance services outsourcing, more and more commercial banks contract their affairs out to other companies in order to concentrate on its’core competitive advantage for further development. However, as a result of the limitation of core competence, as well as the uncertainty, commercial banks are facing various risks in the process of finance services outsourcing.The result of finance services outsourcing may go against the expected income. For example, the risk of selecting supplier due to asymmetric information or the defect in the risk management of the outsourcing brings out the occurrence of risk and the loss. It’s necessary to study the evaluation of finance services outsourcing of commercial banks, establish the scientific index, and use the scientific method to estimate outsourcing risk.In this essay, it analyzes the risks of finance services outsourcing in commercial banks on the basis of BASEL. Firstly it formed an index system. Then in order to refine each level indicator, a secondary index system which includes 17 indicators is established. Then the AHP is used to calculate the weights of indexes. In the process of fuzzy comprehensive evaluation, the weight values will directly affect the role played by the various factors and they have an important impact on evaluation result. The fuzzy comprehensive evaluation model is established to evaluate the risk of commercial banks. In the process of the evaluation, the risk set and the judgments set are founded by set mathematics, and by fuzzy set they are in mirror relationship for determination of the module. On the base of Fuzzy set theory the factor and stage structure and mathematical model of quantitative multifactor evaluation for risk were put forward. Then, we use the fuzzy comprehensive evaluation model on the basis of the weights. Finally in Section V the fuzzy comprehensive evaluation model is used to calcuate the risk of C Bank, and verifies that the fuzzy comprehensive evaluation model is effective. The score of all levels’ risk of C Bank is 2.2626. The overall risk level is low. The evaluation result shows that the actual risk situation of C Bank is realistic and verifies the effectiveness of the fuzzy comprehensive evaluation model.The fuzzy comprehensive evaluation model is a way of measuring comprehensive risks. It’s better than the Logistic and VaR which can only measure single risk. This method can be used to calculate not only the risk of risk factors, but also the risk faced by the whole enterprise, even to make horizontal comparison in different corporations of certain area.After all, the fuzzy comprehensive evaluation model of commercial banks’ outsourcing risk is valuable. The index system of finance services outsourcing risk assessment and comprehensive evaluation model are innovative.