Research On The Risk Prevention Strategy Of Bank-enterprise Reconciliation Of The H Branch Of Postal Savings Bank Of China

Bank-enterprise reconciliation is a key path for commercial banks to effectively prevent the occurrence of cases,reduce financial risks and improve their internal control.It is of great practical significance and plays an important role in feasibly preventing criminals from manipulating accounts and embezzling clients' funds,and safeguarding the safety of bank funds.Postal Savings Bank of China is an emerging large retail commercial bank.Since its establishment in 2007,various businesses have developed rapidly.In terms of client structure,it is in the developing process from individual clients to corporate clients.With the continuous launching of new businesses and products,many risks and problems,like insufficient management experience,defective process design,and lagging system functions,have gradually exposed in the process of business development.Some departments have even occurred cases of embezzling clients' funds,which has brought bad impacts on banks and attracted attention of related regulatory authorities.In that case,the risk control work of bank-enterprise reconciliation has been paid more and more attention by bank management.Taking the case of the branch of Postal Savings Bank of China in H Province,this paper lists the current situation of bank-enterprise reconciliation of this branch,analyzes the main problems existing in the risk prevention and control of bank-enterprise reconciliation,emphasizes the importance and significance of the risk prevention and control of bank-enterprise reconciliation,and puts forward improving strategies and suggestions on how to further strengthen and improve the risk prevention and control of bank-enterprise reconciliation.Firstly,this paper discusses how to change the current decentralized reconciliation mode to the centralized reconciliation mode of the province branches,and then the province branches uniformly generate and issue bank statements and subsequently check and print them.It reduces the systemic risk by optimizing the operation process.Secondly,the paper puts forward some countermeasures to block risk points,like making rules,reengineering reconciliation process,strengthening outsourcing management,manning for reconciliation,and clarifying the responsibilities.Finally,the paper discusses the new modes of reconciliation like mobile bank reconciliation and WeChat reconciliation.This paper not only puts forward specific improvement suggestions on the risk control of bank-enterprise reconciliation for the branch of Postal Savings Bank of China in H Province in order to effectively improve the level of risk control,but also has a certain reference significance to the risk control of bank-enterprise reconciliation of other banks and enterprises in the financial industry.