Research On Bank Account Risk Management Of J Bank X Branch Under The Background Of Anti-fraud

In recent years,the situation of telecom network fraud crime is grim.It has become the crime type with the most cases,the widest coverage and the strongest response from the people.One of the reasons why it is difficult to trace and crack down on Telecom fraud cases is that a large number of personal bank accounts with "real names but not real people" have been used to transfer fraud funds and become "accomplices" of criminals.In order to cut off the chain of Telecom fraud funds from the source,the joint office of the State Council has launched the "card breaking" action nationwide since October 10,2020.As an institution performing the main responsibility of account management,banks must strengthen the risk management of individual bank accounts,eradicate the breeding ground of Telecom fraudsters from the financial system,and fulfill the social responsibility of safeguarding the property safety of the masses.This paper takes the x-point behavior sample of bank J as an example to analyze and study.Using the theory of comprehensive risk management,the theory of account life cycle management,the concept of account classification and hierarchical management and the theory of controlled risk management technology,this paper studies the current situation of personal bank account risk management in X branch of bank J through the methods of literature analysis,comparative analysis,case analysis and questionnaire survey.Based on the study of relevant literature and theories and the comprehensive analysis of the development of personal bank account business in X branch of bank J,it is found that the bank has some problems in account risk management,such as management loopholes in account business process,lack of risk orientation in personnel assessment,difficulty in preventing and controlling risks in account classification and classification,and mutual buck passing among various main departments.In view of these problems,this paper analyzes the causes from the aspects of internal risk management system,risk control measures,department responsibilities,scientific and technological means of risk management,and puts forward countermeasures such as establishing the concept of personal bank account risk management under the new situation,improving the internal risk control management system of personal bank account,strengthening the application of scientific and technological means,improving the level of risk prevention and control,strengthening the publicity and education of anti blackmail and the internal management of the bank,It is expected to provide guiding suggestions for improving the risk management of personal bank accounts of bank J and branch X.Combined with the concepts of bank account life cycle management and account classification and hierarchical management,this paper redefines the responsibility chain of each link and Department of account risk management of X branch of bank J,further compacts the main responsibilities of each department,fills the loopholes in the risk management links of the bank’s account before,during and after,and further improves the account classification and hierarchical management of X branch of bank J in combination with the characteristics of the bank account involved.The research on personal bank account risk management is to comply with the requirements of the current development situation in China.It is of great significance to crack down on telecommunications fraud,maintain social security and stability,and promote the healthy and stable development of China’s payment system.