Research On Commercial Banks' Risk Prevention And Control Of Public Settlement Business

With the rapid development of China's economy,commercial banks have increased their public clearing business volume year by year,and frequently settled public clearing cases.As an important part of the settlement supervision,commercial bank settlement business has the characteristics of wide coverage,complex business,and high difficulty.Since the commercial bank's operating nature is actually an operating risk,commercial banks should be prepared to take precautions in the face of risks.As the final link of bank-to-public business,corporate billing is particularly important for risk prevention and control.This paper selects the N Bank B branch as the research object,based on the theoretical basis of the public clearing business and the standardized operation specification,and combines the risk prevention and control status of the N Bank Bbranch to the public settlement business,from human risk,business process defect risk,etc.Aspects of research.First of all,it introduces the domestic and foreign research status of the commercial bank's risk prevention and control of public clearing business.Second,it will outline the theoretical basis of public clearing business.Through the top-down model,the risk assessment of public clearing business of Bank B branch of N Bank was evaluated,and the main problems existing in the risk control of public clearing business of the bank were obtained.Research was conducted from two aspects: human risk and incomplete internal processes.Including whether there is professional coaching ability for coaching needs to be improved;the level of business management standards is not enough;the awareness of moral hazard before the front-line operator needs to be strengthened;the rotation and forced vacation system is not in place;the authenticity review process for public client documents is missing.Wait.In the end,it improved the risk prevention and control of N Bank's public clearing business from the aspects of performing on-the-spot investigations to public households,upgrading training methods,improving graded authorization of accounting supervisors,improving the operational level of supervision and guidance departments,rotation of key positions,and mandatory vacations.This paper presents improvement measures and recommendations for the risks associated with the risk prevention and control of public clearing business of Bank B branch of N Bank,and also serves as a reference for the risk prevention and control of public clearing business carried out by other commercial banks.