Study Of The Situation And Optimization Of The Shizuishau Bank’s Credit System

The RMB bank settlement accounts, which reflect the funds settlement in the whole social economic activities, are the foundation of fund trading in the economic activities. The customers can use the banks’financial products and enjoy the services through the accounts. Strengthening the management of the bank settlement accounts will combat the money laundering, debt and tax default and other illegal activities, as well as maintain the stability of the economic and financial order. The People’s Bank of China(the PBC), as the central bank, has always been considering the management of the RMB bank settlement accounts as the basis of performing the duties of supervising the funds settlement. In April2003, the PBC issued " the RMB bank settlement account management method ",2005, the PBC established the RMB bank settlement account management system through all the commercial banks.The system regulates the activites in the open and use of the RMB bank settlement account. As commercial banks paly a main role in implementing and carrying out the bank account management polices issued by the PBC, they should strengthen the account management. The weakness of the management will produce the fund risk, occupy the banking system resources, influence the bank-enterprise cooperation, weaken the efficiency of management, and then affect its business development, as well as face the risk of punishment by regulators. Therefore, to improve and perfect the commercial banks’account management has significant meaning in the customer service, risk prevention and compliance management.The Bank of Shizuishan opened in March21,2009.As a newly-established local financial institution, all the business are still in extensive development stage, and has a large gap from the regulatory requirements. Compared with the other State-owned commercial banks, the Bank of Shizuishan should do more to improve the management of the RMB bank settlement accountssame time. Furthermore, after three years of development, all businesses of the Shizuishan Bank have taken shape, the management of all the businesses should be strengthened and standardized. From the internal and external environment, the Shizuishan Bank cannot carry out the relevant laws, regulations and policies of the the bank account management very well. failed to well carry out the; on the other hand, the weak management caused the high cost and low efficiency, and the illegal behavior of the bank has also brought the economic loss.Based on the above considerations, this paper makes the comprehensive analysis of the present bank account management situation, measures the existing problems of the RMB bank settlement account management. The research aims to optimize the bank settlement account management, to improve the level of management constantly, and to promote the long-term compliance management of the Shizuishan Bank.