| The report of the 20 th Party Congress systematically clarifies the general policies and strategic plans of the Party and the State in the new era and new journey,which is the action guide for the financial sector to do a good job.In the meeting,it was stressed that we should adhere to the focus of economic development on the real economy,while strengthening and improving modern financial supervision and continuously improving the ability to prevent and control financial risks.In China’s banking industry is the main body of the financial sector,banking institutions around the comprehensive deepening of reform,solid promotion of development,risk prevention,excellent service,governance and other work,not only to develop the local real economy,capital to support small and medium-sized enterprises,but also to focus on preventing and resolving major financial risks.The unit settlement account is the link between business and bank,which plays a basis role in social economic activities,and the management of unit settlement account is crucial to the healthy development of public business of commercial banks.This thesis takes the current situation of unit settlement account management of S Bank F Branch as the research object,aiming to provide improvement measures for the risk events in the whole life cycle management process of unit settlement account and provide optimization ideas for improving the unit account management system.This thesis firstly outlines the main ideas and methods of the research on unit bank settlement account risk management of S Bank F branch by introducing the research background,research significance,and the current status of domestic and foreign research.Secondly,the basic concepts and theoretical knowledge are sorted out to lay the theoretical foundation for the optimization of unit settlement account management of Bank S.Using the knowledge of bank unit settlement account management and the current situation of Branch F,the risk factors and causes of each link in the unit settlement account management are analyzed and summarized,and the shortcomings in the current business management are pointed out.Finally,we propose optimized countermeasures to further improve the risk management of unit settlement account in Branch F,and offer suggestions for the risk management of unit settlement account in Bank S.This thesis finds that the risks in the unit settlement business of S Bank F Branch are mainly concentrated in the account opening process,and the seven sub-branches under F Branch all have different risk points in other processes.In view of the risk factors of unit accounts in different parts of the life cycle,corresponding feasible measures are proposed to control the occurrence of risk events.It is hoped that this thesis will further improve the risk management of unit accounts in Bank S,Branch F,and provide reference and reference for improving the unit account management system of commercial banks.At the same time,it will help to solve the difficulties in the management of unit bank accounts of S Bank F Branch,Seeking a bridge between risk protection and business development,and timely adaptation to current market changes,promote the sound development of the banking industry on this basis,and better serve the needs of the real economy of society. |
