A Study On Risk Control Of Commercial Banks In Public Settlement Business

The idea of economic development in our country has changed slowly,and the emphasis on the speed and quality of economic development has been reduced.Since the establishment of the new party committee,our country has actively implemented the spirit of the 19 th National Congress of the Communist Party of China,strictly followed the basic concept of seeking progress while maintaining stability,and fully implemented the “General Plan of Six-dimensional space” in accordance with the relevant requirements for high-quality development,under the circumstances of ensuring the party’s construction,we also attach great importance to the management work,we should firmly grasp the main tasks of providing services for the real economy,deepening reform,promoting the smooth transformation of business operations,controlling risks in the financial sector,and strictly governing the party,the completion of the“Three major battles” as the focus of all work,has become a world-famous commercial banking group.At present,the amount of public settlement business of our country’s commercial banks is increasing year by year,and the public settlement business is the key supervision area of the commercial banks,if we want to resist risks and face them calmly,commercial banks should take precautions against them.One of the business of commercial banks is the public settlement business,has a huge risk control capacity,becomes very important.In this study,the Jinzhou branch of bank a was specifically targeted.Based on the standardized operational specifications and related theories for the public settlement business,the risk control status of the bank in the public settlement business,from the business process and human and other two aspects of the risk analysis.First of all,the bank’s public settlement business on the basic situation,such as:background,status quo and risk control research at home and abroad.Secondly,we focus on the Jinzhou branch of Bank A as a specific object of study,focusing on the analysis of its public settlement business.Using a combination of literature analysis,empirical research,and case studies,this paper identifies the reasons why various risks arise in public business,and how the risk of public settlement business will affect the bank,financial economy,bank employees,customers,etc.Finally,according to the specific reasons for the risk and the possible harm,how to control the risk of public settlement business in commercial banks is the key issue in this paper.This paper consists of six parts: the first part of the specificmain content of this study and related methods,etc..The second part elaborated this research related concept,the content.This paper introduces the meaning of risk theory and the concept and types of bank’s risk of public settlement business in detail.The third part describes the specific situation of the bank,including the public settlement business,risk management,risk identification and evaluation.From the public account management business,the establishment of the seal of the unit reservation,the settlement product business,the important blank voucher management to the public,the public loan business and so on,the Jinzhou branch of Bank A’s public clearing business is detailed and the possible risks of such business are discussed.The fourth part is based on the above categories of business risks,analyze the reasons,from the relevant national policies,rules and regulations,operating procedures,system processes and staff risk awareness analysis.This paper expounds the reasons for the existence of risks in this kind of business and the standards to be followed in handling the public settlement business.The fifth part,with reference to the principles and basis of risk control of bank a Jinzhou branch for public clearing business and the reasons for the formation of this article,analyzes the weaknesses of risk control for public clearing business.This paper sums up the concrete prevention and control measures from the aspects of customer account opening procedure,Seal card collection management,public payment settlement business management,blank important voucher management and use,special business management,etc..The sixth part of the overall level of this study was summarized.