Research On Risk Control Of Reconciliation Project Of West Branch Of The Bank Of The PSBC

Bank reconciliations are Bank improve the internal control system in dailyaccounting, one of the effective means of preventing financial risks. Postal savingsbanks as a new Bank, Bank’s new business faster and more comprehensivedevelopment, nature of business from customers, are going through a personalbusiness from traditional step by step to the expansion of the company’s businessprocesses. As the postal savings bank has introduced new products, at the level ofgrass-roots branches, have been exposed due to lack of experience, system function ofpotential risks resulting from factors such as the lag. Reconciliation between Bankand enterprise work is a weakness of the postal savings bank and short boards. In thiscontext, banks and enterprises on the establishment and improvement of financialmanagement, is bound to become the focus of the company’s business on the agenda.Firstly,this paper analyzes the problems in the reconciliation process between thePostal Savings Bank of West Branch banks and enterprises, and analyze the causesof the problem and propose solutions for various problems.one of guard finance riskeffective methods.The postal savings bank took an emerging bank, each kind of banknew service obtains quick and the more comprehensive development, says from thecustomer service nature, is experiencing one from the traditional individual servicegradually to the corporate business development process.Promotes unceasingly alongwith the postal save bank general headquarters new product, in basic unit businessmesh point stratification plane, also exposes unceasingly because of is insufficientlyexperienced the latent risk which, reasons and so on system function lag cause.Silverbusiness to the account work is a postal save bank athletic event in which one is weakand the short board.Under such background, silver business to the accountmanagement establishment and the consummation, will become the corporatebusiness the work key to propose the program inevitably. Because neglect silver business once gave west the postal save bank to theaccount the street sub-branch to bring the huge risk to the male fund.In August,2009,the cabinet returns a ticket the operation fault, the postal save fund by mistakeincludes within in the Chaoyang heavy industry machinery limited liability companyaccount.Because not yet improves to the account work mechanism, when separatesfor several months, in the customer interior investigation bookkeeping, discoversmany patterns, when west driving relation street sub-branch, this fault event wasdiscovered only then.Silver business times does not wait for us to the account work.The Bank and the enterprise is the bank accounts in the ordinary course work inaccounting in perfect control system, and the effective means of preventing financialrisks. post office savings bank as an emerging new business banking, and variousbanks faster and more comprehensive development, and from a customer’s businessnature, is undergoing a shift from the traditional personal business gradually to theCompany’s business development process. As postal savings bank of new productsare constantly introduced, at the grass-roots business outlets dimension, is alsoconstantly exposed because of inadequate experience, system functionality forreasons such as lagging in the potential risks. The Bank and the enterprise is thepostal savings bank account of a weak and short board. In this context, the Bank andthe enterprise management, the establishment and improvement of the Company’sbusiness will surely become a focus of work on the agenda.Banks and enterprises have been neglected due to the postal savings bankaccounts to West Street Branch has brought enormous risks to public funds. August2009, teller refund faulty operation, postal savings funds mistakenly classified asChaoyang heavy industry machinery co., ltd. in accounts. Because the Mechanismhas not yet perfect, and accounts for several months after, when the customer’sinternal verification accounts were found, and take the initiative to contact WestStreet branch, and the blunders committed when they were discovered. The Bank andthe enterprise account time will not wait.In view of each question I the line proposedthe solution, persisted the provincial bank proposed`three first’ principles, control bythe wind first, management first, benefit first three first ideas for guiding ideologyinstruction work.Solution silver business each kind of question and the malpractice which appears to the account work in, first solves the silver business not to be promptto the account, silver business to the account flow not standard and the riskcharacteristic analysis, holds several posts at the same time the increase morals risk,silver business to account not symbol processing not not promptly to the accountpersonnel and so on the questions.Enhancement silver business to the accountoptimization project risk control measure, guaranteed silver business to the accountflow and the post independence, guarantees the silver business to the accountagreement integrity, the paper to the bill management and the computerization to thebill importance, establishes the silver business to the bill risk rank management andsilver business to the account management target system of examining andassessment.To strengthen the banking and the unit account reconciliation workmanagement, establish and perfect the customer reconciliation mechanism, to ensurethat the bank and the customer capital safety, prevention of business capital risk,Chaoyang Branch of the country in the near future the bank reconciliation takes thefocus mode. The pattern consists of branch of the accounting department isresponsible for the reconciliation process in the entire process of management, byfocusing on print, concentrated distribution, centralized mode of archive to ensurethat the Chaoyang Banking Regulatory Bureau on bank reconciliation work quality,timeliness and safety requirements, and enhance the branch door-to-door send andrecover bill service level. The work was officially opened, not only greatly enhancethe bank reconciliation recovery rate, strengthen the reconciliation work processingtime, improve such service level, and reducing the business risk coefficient, realizescentralized account related data management functions, more for the Liaoning branchof the company ’s further development has laid a solid foundation.