| With the continuous development of the global financial structure and the domestic market,the relationship between banks and enterprises has also undergone great changes.In the past three years,although the domestic economy has been impacted and affected by the COVID-19 pandemic,the overall growth trend has consistently taken a leading position in the world.The main body of the development of market economy is enterprises,and bank account is the basic tool for enterprises to participate in market economic activities,as well as the basis for enterprises to conduct fund payment and settlement.The rapid development of market economy is inseparable from the healthy development of enterprises and the stability and prosperity of the financial service industry.As the link between enterprises and banks,a healthy and sound bank-enterprise relationship between banks and customers can be built.The fundamental goal is to achieve mutual benefit and win-win development between banks and enterprises through high-quality financial products and services.Bank account as the starting point and the end point of capital circulation,in strengthening bank account risk identification,regulating bank account management,optimize account services at the same time,to ensure the security of funds,prevent telecom network fraud,money laundering and other illegal criminal activities,to maintain the stability of social and economic order and financial stability has a great role in promoting.This paper takes Shizuishan Bank,a local financial institution in Ningxia as the research object,combines the account management policies of the People’s Bank of China,and takes the cancellation of the enterprise account license as the background.On the basis of consulting a large number of literature research materials and relevant theories,it analyzes the management process and risk management status of the enterprise account business of Shizuishan Bank,and combines typical cases to deeply analyze the risk performance of the account business.Then the whole account management life cycle is divided into six steps to analyze step by step,effectively identify each link may be hidden risk points.Questionnaire survey is used to clarify the account risk factors,and after three rounds of scoring analysis and deletion of inefficient and inefective indicators through expert scoring,the enterprise account risk factor indicator system is finally determined,and then the risk indicators are studied and judged and their risk levels are determined.By restoring the business process of enterprise account,in-depth analysis of the problems existing in Shizuishan Bank’s enterprise account management.It lays a foundation for proposing scientific and effective risk prevention and control strategies.This paper sorts the 18 risk index factors in the six business links of the final enterprise account risk index system according to the size of the risk value,and is divided into five risk levels according to the range of risk value,the higher the risk level,the greater the probability and impact of the occurrence of the risk,the more commercial banks should actively take effective measures to control the occurrence of the risk first,so as to achieve the goal of controlling the risk in the early stage of business occurrence and achieving early investigation,early detection and early solution.Based on the corporate account management policies and daily management experience,this paper puts forward the optimization objectives,optimization principles and optimization ideas of enterprise account management in view of the risk factors existing in the whole process of account management,and proposes effective strategies that meet the actual business needs of commercial banks and avoid the occurrence of hidden risks by establishing an optimization strategy framework for enterprise account management.Finally,the author believes that in the future,enterprise account management should focus on improving the access conditions for account opening,strengthening account duration management,and strengthening multi-department information sharing and linkage,so as to achieve a more secure and efficient level of account management. |
