The Research Of Prevention And Control In Public Institution’s Government Credit Card Settlement

The implementation of centralized treasury payment system standardizes the management of financial resources. It enhances the transparency of finance and improves efficiency greatly in the use of funds. Actually, cash payment accounts for a considerable proportion of the treasury centralized payment service, which is not conducive to the supervision of the budget funds actual usage. To solve this problem, the financial department of the bank put forward the idea of card payment.Combining the development of modern credit card and business expense, a new payment way came into being, which is the government credit card. The Government Credit card system is relying on centralized treasury payment of public consumption expenditure. Consumer pay first and then report expenses. It is also a new payment settlement, an effective means to plug loopholes in cash. By the government credit card settlement, all the consumer information can be queried in financial information systems and the financial sector can carry out effective supervision, timely detection of problems and ensure financial resources security, integrity, prevention of corruption risk, which has a positive effect on " sunshine finance ".The development of anything, will encounter some resistance. There is no exception of the government credit card. Risk analysis and identifying solutions to promote the reform of the government credit card system has a positive meaning.This article describes development of the government credit card system, the scope of the card settlement directory and local conduct the government credit card settlement patterns; by reading a lot of literature, combining the implementation of the country, the author specifically analyzed the current situation of the government credit card: a lot of people apply for cards, but rarely open or use the card. The card can not be completely jammed official corruption in public consumption. The government credit card settlement becomes a mere formality, and these all go against the original intention. Our future work is to improve the situation. By analyzing the present situation, we find that the bank card acceptance environment, the current budget system, public expenditure standards and account management have a close relationship, what we should is to solve these problems. We can learn advanced experience and management measures of foreign countries such as the United States and Britain. We should learn the lessons of the Korean credit card crisis. Only by learning from others’ strong points and closing the gap, we can develop the card. Because of the risks of security, credit, and corruption in the government credit card settlement, we should learn some basic knowledge of using knowledge: to use the card in a secure way, maintain a good record, build public expenditure rules and norms, force official card settlement, other measures to strengthen auditing and supervision, establish boosting the construction of the general prevention and control system before, in after the process. Faced with the actual problem existing in financial institutions, in the work, we should refine the budget, establish appropriate public expenditure standards, strengthen treasury dynamic monitoring, perform electronic payment and other practical measures should be taken. Also, we should reduce the risk of the prevention and control system, improve financial management in institutions and promote the smooth progress of the reform of the government credit card.