Research On Bank Account Management Modal Based On Grass-roots Central Bank Regulatory Practice Angle

As the administrative department,the people's bank of China has promulgated a series of regulatory documents related to the account management such as " Measures for the Administration of RMB Bank Settlement Account","The Rules for Individual Savings Account",promoting standardized management step by step of bank account's opening,alteration,cancellation for department and individual in China,and also promulgate punishment standards in order to punish someone who use the bank account settlement for illegal and criminal purpose.Through these measures,PBC ensures the stability of the economical and financial order.As the development of economy,society,the rule of law,science and technology,all kinds of innovative financial products appear.The existing account management rules gradually conflict with the actual situations.Using bank accounts to engage in illegal and criminal crime also gradually derived upgrade.Facing these situations,current account management supervision system has been gradually "puff".How to effectively regulate the relevant bank accounts becomes the focus and difficulty of management at this stage.Therefore,the heart file of bank account in China "Measures for the Administration of RMB Bank Settlement Account" increasingly expose inadaptability.In order to serve social and economical development better,increase payment efficiency and adapt to changes in the current economic environment better,the account management system needs further reform,account management concept needs further innovation,account management tools need to be further optimized.This paper uses grassroots central bank's regulatory practice as the starting point,stick to the regulatory management pattern.In this paper,the introduction introduces the research's background and significance,domestic and international relevant research results,puts forward the possible innovations in the research method and train of thoughts.In the second chapter,the basic theory is introduced,including account management related concepts and contents of account management.In the third chapter,the development course and main systems of account management in our country have stated,then this paper put forward the analysis of different content of account management in different historical periods and the economical and social situation at that time.The fourth chapter tells about the current account management's situation and analysis the existing problems,from four aspects of political and economical environment,the rule of law requirements,the wide application of Internet,merge with the international trend.From these aspects,present situations and problems of the current account management have put forward.The fifth chapter summarizes experience in some countries according to the international account management practice,and then compare with our current account management.Finally,the chapter puts forward the outlook to construct a new account management mode,management mode and give some new advices,and then come to the conclusion.This paper selects topic from the actual problems in the process of account management,lists some old account management systems,management ways.By using illegal and criminal cases that bank account engages in to prove that bank account's opening,alteration,cancellation have to be revised.This is the basis of healthy economical and financial orders.This paper analyses the current situation of bank account management in our country,points out the problems existing in the process of account supervision,to carry out the research's the main line.How to establish the new mode and provide account management policy recommendations have become the final research goal.