The Study On G Bank Jiangxi Branch's Risk Management Of Opening Bank Settlement Account For Institution

Bank settlement account for institution as the fundamental medium for organization to transact in bank,is the source of implementing all financial business,the start and objective of its capital flow.Due to economic downturn accompanied with macro-financial environment's instability and micro-aspect's complexity what regarded as new normal circumstance,more and more criminals seize the opportunity that lack of systematic management and effective supervision which carried out on opening bank settlement account for institution by enterprise and bank,to open illegal bank settlement account for institution(such as with a set of bogus materials or in several commercial banks),which lead to occurring more criminals such as money-laundering and financial fraud.It brings huge reputation and lawsuit-involved risk to bank.As known that the nature of commercial bank is risk-operation,its profit and competitive position among inter-bank market depends on the strength of risk control ability.Therefore,how to prevent or control risks and cover the existing shortages of risk management effectively under the change of external environment and financial market,is a key issue that must be solved.G Bank Jiangxi Branch is the specific object for researching risk management of opening bank settlement account for institution in this article,on the basis of domestic and foreign scholars' research,combing related basic theory and knowledge,studying overall situation domestic and abroad about this business;and,stating the present risk management about opening bank settlement account for institution of G Bank Jiangxi Branch;then,analyzing four main risks and their characteristics at present by citing some typical cases;finally,summarizing the existing problems of risk management and causes,to provide some constructive measures for bank how to optimize risk management of this aspect.This article mainly experienced following stages:First,preparing stage.Setting the research topic when considering deeply after effective communication with teacher and classmates.Second,consulting materials stage.Looking for the literatures and reports from home and abroad through the campus network database?school library?provincial library.Third,investigating on-the-spot stage.Go to some branches to surveying the situation of opening bank settlement account for institution many times so as to better understand the practical application of theoretical knowledge.Fourth,analyzing and sorting materials,then summarizing and deliberating involving the topic.The main methods adopt during researching as follows:(1)The literature research method.Searching related materials of experts and scholars from academic websites such as CNKI?Wanfang data?VIP and others actively when set the research direction of this article,absorbing various views,broadening divergent thinking,developing ideas,in order to research risk management about opening bank settlement account for institution of commercial bank better.(2)The survey and analyze method.Researching development plan and risk management strategy,surveying application of related rules or regulations and performance of account manager duties,collecting comparative data or related materials at G Bank Jiangxi Branch's each stage and other banks,so as to know and analyze overall situation at present of G Bank Jiangxi Branch' bank settlement account for institution better(including present situation of business and risk management and so on).(3)The interview and discuss method.Interviewing front employees and experts,to discuss with them together about the main risks and problems of risk management of its opening business of bank settlement account for institution,in order to put forward targeted optimize suggestions.After deeply researching about G Bank Jiangxi Branch with combining some cases,can conclude the main risks that existing are the risk of opening false bank settlement account for institution?the risk of opening bank settlement account for institution as agent?the risk of opening bank settlement account for institution outside their original registration location and the risk of opening temporary bank settlement account for institution.Then,points out its six aspects of risk management problems: organizational structure is not sound?process design is not concentrated?system construction is not perfect?assessment system is not comprehensive?risk report is not timely?inspection tool is not flexible.In the end,puts forward the optimized measures for G Bank Jiangxi Branch to solve above problems:perfect organizational structure?integrate process design?improve system construction?optimize assessment system?implement risk report and enrich inspection tool.This article use the research of G Bank Jiangxi Branch's risk management of opening bank settlement account for institution as the starting point,could help G Bank Jiangxi Branch to improve its risk management level of opening bank settlement account for institution,adapt to its management philosophy that insist on operating law-abiding and developing on the premise of risk-control,meet the realistic demand of prudent development,improve its competitiveness among inter-bank market.Also can provide some references for other domestic commercial banks to strengthen the risk management of opening bank settlement account for institution by main risk categories and problems or optimize suggestions of risk management that have been put forward,so as to promote a more rapidly and orderly development of bank settlement account for institution in our country.At the same time,on the basis of collecting and inducing theory of overseas and domestic scholars about risk management of opening bank settlement account for institution combining with the practical situation of G Bank Jiangxi Branch,extend theoretical research about risk management of opening bank settlement account for institution,could perfect the commercial banks' whole theoretical framework of risk management,enrich managers' theoretical knowledge,help them put theoretical knowledge into opening business of bank settlement account for institution better,which have some academic value to some extent.