Research On The Governance Of Illegal Trading Of Enterprise Bank Accounts In Wuhan

In recent years,with the development of high technology,the new telecommunications network fraud crime has shown a high incidence,and gradually derived a "black and gray industrial chain" of illegally buying and selling corporate bank accounts.In view of the increasing number of criminal activities of illegally buying and selling corporate bank accounts for new telecommunications network fraud,on October10,2020,under the leadership of the State Council,the whole country began to carry out "card breaking operations" against illegal trading of "two cards".Subsequently,the Supreme People’s Court,the Supreme People’s Procuratorate,the Ministry of Public Security,the Ministry of Industry and Information Technology,and the Chinese Bank of China jointly issued the Notice on Severely Cracking Down on the Illegal Activities of Illegally Buying and Selling Telephone Cards and Bank Cards in accordance with the Law,and from the perspective of industry supervision,severely cracked down on the illegal activities of illegally buying and selling "two cards" with a "zero tolerance" attitude.The Wuhan Municipal Government actively responded to the policy of the higher level and adopted a series of measures to promote the "broken card action",but in the illegal activities of controlling the illegal trading of "two cards",it was found that the illegal trading of corporate bank accounts in the "two cards" was difficult to eradicate.In accordance with the idea of "asking questions,analyzing problems and solving problems",this paper uses the research methods of questionnaire surveys and personal interview methods to explore the problems encountered in the governance of illegal trading of corporate bank accounts in Wuhan,of which the questionnaire survey and individual interview content focus on commercial registration and corporate bank account supervision.At the same time,based on the problem-oriented,with the help of governance theory and synergy theory,relevant internal data and the author’s many years of work experience,the causes are analyzed in depth according to the academic logic of gradually deepening from appearance to essence.Through research and analysis of the reasons for this,the following conclusions are drawn: First,the commercial registration link emphasizes examination and approval over supervision;second,commercial bank account management emphasizes quantity over quality;third,the information exchange of enterprise-related information is not smooth;fourth,the enterprise credit market has not yet been fully formed.Based on this,this paper puts forward corresponding constructive suggestions from four aspects: strengthening the supervision of commercial registration during and after the event,strengthening the management level of commercial bank accounts,establishing an information sharing platform,and building a credit market supervision mechanism,so as to achieve the purpose of cutting off the "black and gray industrial chain" of illegal trading of corporate bank accounts from the source.