Management And Risk Research Of Y Bank’s Settlement Account

Bank settlement account management is the management and supervision of customers’ settlement accounts by banks to ensure the security and legality of the accounts.With the development of the economy and the continuous expansion of the financial market,the bank settlement business is also increasing,the scale of funds involved is getting larger and larger,and the transaction risks are also increasing.As the main provider of financial services,banks undertake the important task of payment and settlement.In order to protect the interests of customers and maintain the stability of the financial market,governments and regulators have introduced relevant laws,regulations and systems to require banks to strengthen the management of settlement accounts and ensure the safety of funds.Urban commercial banks play an important role in promoting local economic development,serving small and micro enterprises and individual customers,and promoting financial innovation,and are an important part of financial institutions.To this end,this paper takes Bank Y as the research object,analyzes and studies the risk factors existing in its settlement account operation,and proposes corresponding risk control measures.In this process,the paper composes the knowledge about settlement accounts and risk risk control,and then,by studying the actual situation of Bank Y in depth,uses questionnaires,offline interviews and entropy value method to conduct a comprehensive analysis of its settlement account risk factors,and proposes corresponding risk control measures from various aspects such as management mechanism,technical means and personnel quality.Taking Bank Y as an example,this paper analyzes settlement account management risk control as an entry point from a strategic perspective,with the intention of reducing transaction risks.With the objectives of protecting customers’ interests and maintaining the stability of financial market as the risk control objectives,this paper puts forward targeted suggestions on various aspects of settlement account management of Bank Y,hoping to help banks reduce transaction risks and improve account management.At the same time,this paper hopes to provide useful reference for small and medium-sized banks represented by Bank Y.