I've just done a bit more poking around, downloaded the SFP1E utilty and found a file called NAMESBRITISH.LST in the MissionData.cat file. There's a long list of surnames and a long list of first names. I haven't edited any of them ( I'm not brave enough to do it then try and add it back into the .cat file!!!) . It looks to me as if random names are generated from the two parts of the list.eg, in one campaign you might get George matched up with Rodgers, but in another he might end up being Fred Rodgers. But I don't know....as I said, I'm too chicken to try altering anything!
Edit* I posted this just as Southernap was posting.