Research On Risk Management Of J Bank Account

The flow of funds cannot be separated from the bank account,and the normal operation of social fund payment and settlement cannot be separated from the bank account system.To do a good job in identifying various risks of the bank account,then help to do the risk management of the bank account,for our country financial order and the stability of the society is of important significance.With the rapid development of telecom network,the cases of telecom network fraud with bank accounts are frequently reported.On the one hand,it leads to the loss of people’s property,or even the destruction of the family in severe cases.On the other hand,the factors that bring unstable to our country social construction.In view of this background,banks should strive to practice their own mission view.On the one hand,they should try to publicize the importance of bank accounts,and on the other hand,they should build security barriers against the risks of bank accounts under telecom fraud.Telecom fraud is rampant day by day,social development presents new needs,the original bank account risk management has not meet the development requirements of the new era.Doing well and standardizing the risk management of bank accounts can guarantee the security of funds and maintain the stable operation of society.In view of this severe situation,this paper applies the relevant theories and research methods of business administration,from the perspective of preventing telecom network fraud,takes the account risk management of Foshan Branch of China Construction Bank(hereinafter referred to as "J Bank")as the object,combines the development status of the account risk management of J Bank,and takes the comprehensive risk theory,information asymmetry theory and the whole life cycle theory as the basis.By using literature research method,questionnaire survey method and field interview method,this paper discusses the existing problems in the account risk management of J bank,analyzes the causes,and proposes countermeasures for the account risk management of J Bank.This paper argues that the risk management of bank account management mainly includes the lax examination of information when opening an account,the lax examination of trading bank accounts,and the failure to timely intercept abnormal transactions of accounts.The targeted strategies mainly include: strictly control the risk of opening an account,strengthen the management of the duration of the account,optimize the internal assessment mechanism of the bank,build an information exchange platform,strengthen the public publicity,and prevent the account risk in advance.This study is helpful to enrich the theoretical achievements in related fields and serve for the practical work of preventing telecom fraud and maintaining the security of bank accounts.