Status Analysis And Optimal Advice Of Bank Accounts

Finance is the core competitiveness of the country.Throughout the world,with the accelerated development of artificial intelligence,big data and other financial technologies,commercial banks have accelerated the innovation under the current competition pattern and actively constructed a new model for the future bank development.At the national financial work conference held in July 2017,general secretary Xi Jinping pointed out that,with focus on the three tasks of sending the real economy,preventing financial risks and deepening the financial reform,we should innovate and improve the financial regulating mechanism,establish modern financial enterprise management system,enhance the financial market system,and promote the construction of a modern financial regulatory framework.We should transform the mode of financial development,improve the rule of law and finance,safeguard national financial security,and promote a sound cycle of economic and financial development.The central decision-making and deploynent is an important guide for the development of China's financial industry.As the main way of checking the daily balance between the commercial banks and the business customers,the bank and enterprise reconciliation are the important means to ensure the security of the capital and assets of the customers and banks.It is also an indispensable part of promoting the stable and healthy development of the financial market.However,for China's domestic commercial banks,the current reconciliation practice shows that customers tend to undervalue the importance of balance check,suffer from lack of powerful means of reconciliation,and there is need for improving supervision.There are still some risks and hidden dangers in bank reconciliation.Therefore,based on the current situation of reconciliation and typical cases in recent years,this paper analyses the reconciliation risk from the aspects of process management,risk control,division of responsibility,teclmological innovation and so on,and puts forward the optilization scheme of risk management by applying relevant research theory.We found that most of research paper and literature on bank-enteiprise reconciliation take manual accounting and mail reconciliation as the research background,which is quite different from the current situation of bank-enterprise reconciliation.The lack of theoretical guidance and practical summary lead to the inadequate understanding of the risk of bank-enteiprise reconciliation among people from all walks of life.At the same time,the banking industry also lacks effective measures to deal with it.Therefore,this paper takes an innovative approach from various aspects:Firstly,this paper takes electronic reconciliation in the era of big data as the research object and refers to the new regulatory system since 2015 and the new rules of bank-enterprise reconciliation operation of commercial banks,which broadens the diversity of research subjects in the field of bank-enterprise reconciliation.Secondly,the historical literature mostly takes operational risk as the main theoretical basis.Based on the analysis of operational risk,this paper innovatively uses operational research,ERM enterprise comprehensive risk management and other related theories to innovate the theoretical basis of bank-enterprise reconciliation work.Finally,this paper uses a new research perspective,breaks through the way of independent analysis of bank-enteprise reconciliation in historical literature,puts bank-enterprise reconciliation into the overall situation of bank operation and management,and starts from the perspective of financial supervision to analyze the impact of external supervision on reconciliation.This paper makes a thorough analysis from all levels and perspectives of banks,combs the dements and processes of banking business,combines operational risk control and organizational structore optimization,and conducts a comprehensive reconciliation risk study.At present,the rapid development of information technology brings both opportunities and challenges.Based on the development of modem financial science and technology and through the analysis of the difficulties in risk management,this paper puts forward the countermeasures and Suggestions for China's bank and enteiprise account checking management.On the basis of the existing development mode of bank and enterprise reconciliation,combined with the era background and policy orientation of rapid development of financial technology,science and technology innovation is integrated into the risk prevention and control of bank reconciliation and bank operation process optimization,and the level and extension of bank and enterprise account reconciliation management and service are expanded.It is expected to take the scientific and technological informatization as a strong driving force for the bank and enterprise reconciliation.On the basis of the original research results of the bank and enterprise reconciliation,the developed bank and enteiprise reconciliation countermeasures are applied to the reality,bringing new ideas for the development of bank and enterprise account reconciliation.