Management And Risk Research Of ZX Bank's Unit Settlement Account

As the source and end point of capital revenue and expenditure in the whole social economy,bank settlement account is the basis of all social capital circulation,and also the carrier for bank customers to use financial products and enjoy financial services.The management of bank settlement accounts is an effective measure to prevent tax evasion,debt and other illegal and criminal acts from the source and to maintain financial order.Unit settlement account management is an important part of the People's Bank of China's payment and settlement management.Effective unit settlement account management can not only provide strong support for the central bank to implement monetary policy and maintain financial stability,but also enhance the risk management ability of ZX bank unit settlement account and make account types more diverse.For the sake of standardization,the scope of use of various accounts is clearer.Firstly,on the basis of sorting out the relevant research theories,this paper analyses the problems of unit settlement account management by studying the theoretical basis of unit settlement account management in commercial banks.Secondly,it makes a comprehensive and systematic analysis and Research on the current situation of ZX bank unit settlement account management.Propose the strategies of risk control and settlement account management through asking questions,analyzing and solving problems,so as to carry on the comprehensive optimization in an all-round way.There are commonalities between ZX Bank and domestic commercial banks.There are problems in system,management concept,personnel management and backward scientific and technological means.ZX Bank should strengthen system construction and inspection,improve the level of science and technology,increase technical input,strengthen staff management,improve staff quality,change business philosophy,and optimize the assessment system.Through the research of ZX Bank,we can continuously improve the level of ZX Bank in unit settlement account management and risk research.At the same time,improving the overall competitiveness of ZX Bank in the same industry is more conducive to promoting the transformation and healthy development of ZX Bank.It has certain guiding significance for the management of bank settlement account and the level of risk research in commercial banks,and provides more materials for relevant research.The text is divided into six chapters.In the first chapter,the overall introduction of the original intention of this research was introduced.The background and significance of the research topics were presented.The theoretical development,contents and methods of settlement account management in domestic and foreign banks.The second chapter introduces the reasons,concepts,management classification,characteristics,roles,participants,risk types and main measures of unit bank settlement account management.Chapter three is about the number and general situation of ZX bank unit settlement account,account management,account opening,alteration,account cancellation and contract signing process design.Chapter IV,through five classic cases,analyses the risks and preventive measures of ZX Bank in unit bank settlement account.Chapter 5 analyses the problems in ZX bank unit's bank settlement account management and risk research.On the basis of sorting out the relevant research theories,through the theoretical basis of bank unit settlement account management,this chapter conducts a comprehensive and systematic analysis and investigation of the current situation,and through raising questions,analyses the problems existing in the unit settlement account management.Question.Chapter 6: The concrete scheme of ZX unit bank settlement account management and risk research.Optimize the management and risk of the bank's settlement account,improving the level of science and technology,increasing technical input,strengthening staff management,improving staff quality,changing business philosophy and optimizing assessment system.Chapter 7 gives the conclusion of this paper.