Management And Risk Control Analysis Of Unit Settlement Accounts In Commercial Banks

In the current banking operation system,the relationship between the bank and the customer can not be separated from the account settlement business.On this basis,the relationship between the bank and the customer is built,and the bank provides financial products and services for the customers through business services to achieve mutual benefit and mutual development.In the environment of contemporary economic development,social and economic development often regards account settlement as the starting point and focus of funds.The economic capital account at the same time the circulation originated in the end in the account settlement,bank customers in the use of funds at the same time,obtain the flow of funds through financial products,in the service of basic financial products,currency,effective management of funds,to avoid tax evasion,creditors and other issues,there is conducive to the normal operation of financial institutions.The management of unit account accounts is of great significance to the economic development activities.In the course of this study,the unit of commercial bank settlement account management and risk control as the focus of the study will be fully combined with the status quo of A commercial bank settlement account management and risk control unit to conduct a comprehensive research and analysis,the theoretical construction of "situation analysis,and analysis of the basic process of strategy put forward questions," and then put forward the corresponding risk control strategies.In the process of research,this paper focuses on the research on the Optimization Practice of unit settlement account management in commercial banks.First of all,through the discussion of the theory of the management system of the unit settlement account,it provides a basic train of thought and a general framework for the management optimization of the unit settlement account from the theoretical level,laying the foundation for optimizing the practice.Secondly,the present situation of the unit settlement accounts of commercial banks is investigated and the reasons for the existing problems are analyzed.Finally,according to the scientific method,the optimization method of unit settlement account management is put forward.Finally,through the system analysis,and then come to the A unit of commercial bank settlement account management and risk control suggestions: perfecting the organizational structure,business process integration,improve the management system,the relevant units of account settlement account management unit improvement measures,strengthening training,a settlement account management staff to establish the account name system propaganda mechanism.