| Bank accounts are an important basis for enterprises to conduct business and obtain various financial services from banks.As a bridge connecting enterprises and banks,they play a basic role in social and economic activities.In order to actively implement the decision of the State Council executive meeting,deepen the "decentralization,management and service" reform,and further optimize bank account management and services,on July 22,2019,People’s Bank of China completed the work of canceling the permission for companies to open bank accounts nationwide.Since then,the role of Commercial banks has undergone a major change and they have begun to independently assume responsibility for the gesture of the settlement accounts of corporate banks.How to better complete the role change and how to be compatible for this job has quickly become a new problem that all commercial banks(including foreign banks)must face.On the one hand,the new Reform has consolidated the main legal and compliance responsibility of commercial bank management,and commercial banks should actively exert their subjective initiative to manage the entire life cycle of the settlement accounts of the enterprises.On the other hand,new crimes of risk communications on the network has been increasing in recent years.The cases of illegal sales,loans and illegal leases directly and indirectly related to the bank settlement accounts of the units have occurred frequently.Bank accounts are used by criminals and become the important channel for transferring of "murky funds".As an international bank with branches all over the world,foreign-invested banks will undoubtedly face more severe challenges in risk management of their bank accounts.Under such a background of control,how can Bank Z Taiyuan Branch better manage bank settlement accounts? How to block the chain of interests of criminals from the source,protect the interests of clients,and vigorously prevent and resolve financial risks are the urgent issues what Bank Z needs to solve.This essay uses a single-case study method adverse risks through the daily operation of Bank Z Taiyuan Branch in handling business related to corporate bank settlement accounts t,in order to find ways to solve such problems.This essay adopts “Basic Theory-Analysis of the Current Situation-Proposed Problems and Analysis-Proposed Solutions” logic,and then introduces the concurrent risk control strategies and finds solutions to the problems.The first introduction part,which mainly focuses the research background and significance,and describe the main ideas and methods of research on the management of Bank Z Taiyuan branch settlement accounts.The second part introduces the development history of China’s accounts historical development,the introduction of Bank Z Taiyuan Branch,the number and composition of its accounts are displayed in the form of graphs,and the current status of the Bank Settlement accounts is in details through the diagram of data flow,highlighting the harsh external regulatory environment.The third part is the case analysis part,through the description of five cases in the three phrases during the whole life cycle management,the problems and root causes are specifically analyzed.The fourth part puts forward improvement suggestions.Through case analysis,it aims to further improve the service efficiency of Bank Z Taiyuan Branch,better adapt to current market changes,seek a balance between risk prevention and business expansion,and then,it can take full advantage through improvements and changes in management.On this basis,it can better serve the social and economic development and optimize the payment environment. |
