Systematic Financial Risk Assessment of Commercial Banks Based on Complex Network Model

Based on the complex network theory, this paper describes the network topology diagram of inter-bank lending relationship of 86 commercial banks in China, and constructs a new risk contagion model of commercial bank network system, analyzes the risk contagion process of real inter-bank network system, and simulates the randomness and target impact of the network structure diagram of different scale and different types of commercial banks. It is found that the overall bank network structure chart in the past two years is similar, and the Industrial and Commercial Bank of China has the largest node, the highest contribution to the system, and the most likely to cause systemic risk; The contribution degree of urban commercial bank and rural commercial bank is low, which has little influence on the whole system. And the size of assets and the size of risk exposure will affect the bank's risk value.