Chengdu Branch Of Great Wall West China Bank Research On Risk Identification And Control Of Enterprise Bank Accounts

Under the current market economy situation in China,the industrial and commercial administration departments have relaxed restrictions on the establishment of enterprises.The government has also opened up a green channel for the establishment of enterprises to encourage people to start businesses.Therefore,it has become relatively easy for people to establish enterprises compared to the past,but it has also become extremely easy to carry out illegal and criminal activities such as fund circulation and money laundering through enterprise bank accounts,and illegal trading in enterprise bank accounts is becoming increasingly rampant.In 2019,China abolished the approval system for enterprise bank accounts and changed it into a verification system.Against the background that the People’s Bank of China is only responsible for the supervision and management of enterprise bank accounts after the event,the responsibility for the supervision of enterprise bank accounts has actually fallen on banking institutions,which has put forward new work requirements for the working methods,system design,and regulatory methods of enterprise bank account risk management for banking institutions.This article first summarizes and analyzes the relevant research on the identification and control of corporate bank account risk at home and abroad.Then select the Great Wall West China Bank Chengdu Branch as the research object.Based on the current situation of Chengdu Branch of Great Wall West China Bank in identifying and controlling corporate bank account risks,a questionnaire survey was conducted to analyze the shortcomings and loopholes in corporate bank account risk control of Chengdu Branch of Great Wall West China Bank.Based on the survey data,the analytic hierarchy process(AHP)is used to propose specific identification indicators for the pre,during,and post risk identification of the opening of corporate bank accounts by Chengdu Branch of Great Wall West China Bank,in order to make the risk identification of corporate bank accounts more specific and quantitative.On the basis of these analysis results,it is proposed that Chengdu Branch of Great Wall West China Bank should carry out systematic institutional construction,strengthen internal management,strengthen the use of scientific and technological means,and other improvement measures in enterprise bank account risk control,in order to improve its own enterprise bank account risk resistance ability.Based on the study of Chengdu Branch of Great Wall West China Bank,the conclusion is as follows: The corporate bank account risk of Chengdu Branch of Great Wall West China Bank is medium risk,and the risk level is still high.There are still problems with customer identification in the external environment and internal risk control.On this basis,the author proposes that Chengdu Branch of Great Wall West China Bank should transform its business philosophy,improve its risk control system,strengthen the use of technical means,and strengthen internal supervision mechanisms to address its shortcomings in identifying and controlling corporate bank account risks.These studies also provide reference suggestions for the research of Great Wall Huaxi Bank on the risk identification and control of corporate bank accounts,and also provide some reference for other banking institutions in the risk control and identification of corporate bank accounts.