Research On The Deriwative Problems And Governance Of The Cancellation Of "Account Opening License Business" By Dalian People’s Bank

A bank account opening license is an administrative license issued by the People’s Bank of China to an applicant to open an approved bank account in a bank in accordance with the law.It is a valid proof of the legality of the approved bank settlement account.Standardized use,storage,and cancellation are one of the important contents of the People’s Bank of China’s account management.The implementation of canceling account opening permits has simplified account opening procedures and saved account opening time for enterprises,unincorporated enterprises,and individual industrial and commercial households.For banks,it has increased operational permissions for business processing and changed the original business processing process.For the People’s Bank of China,some account management rights have been delegated to banks,resulting in incomplete system construction functions,inadequate physical mechanisms,and unreasonable business process design during the reform process Problems that cannot be ignored include incomplete management during and after the event,untimely emergency response,service efficiency that needs to be improved,and uneven quality of service personnel.As the government department at the bottom of policy implementation,the People’s Bank of China Dalian Central Subbranch,under the guidance of the People’s Bank of China Head Office and the People’s Bank of China Liaoning Branch,how to effectively address the issues arising from the cancellation of account opening license issuance and optimize business processing processes is an urgent issue to be addressed.This article first introduces the research background and significance of the paper;Secondly,it summarizes the relevant literature of domestic and foreign scholars,providing research ideas for the research direction and perspective of this article.Taking the problems arising from the cancellation of the account opening permit issuance business of the People’s Bank of China Dalian Central Branch as the research object,according to the public governance theory,the process reengineering theory,the new public service theory,the collaborative governance theory and other related theories,using the literature analysis method,questionnaire survey method,interview survey method,mathematical statistics method and other related methods,Based on the current situation and problems in Dalian since the cancellation of the reform of the account opening permit issuance business,a questionnaire survey was conducted among the account management staff of the People’s Bank of China’s business department,corporate accountants of commercial banks,and enterprise operators,and interviews were conducted with relevant business leaders and employees.Finally,the following countermeasures were proposed in four aspects through analyzing the issues:Improving the system and mechanism,Strengthen institutional building in terms of departmental coordination and emergency response,improve coordination capabilities between departments and commercial banks,and improve emergency response capabilities in handling emergencies;Strengthen the system construction.In terms of the construction of the RMB bank settlement account management system and the bank settlement account auxiliary management system,strengthen several important functions of the system,fill the loopholes in the cancellation of the account opening license issuance business,prevent operational risk and moral hazard,and facilitate the handling of the account opening commercial bank operator system;Optimize process design,optimize weak and negligent links in the entire process of canceling account opening licenses by the People’s Bank of China and commercial banks,enhance account data management,guard against customer information disclosure,and enhance business smoothness;Improve service quality,enhance the business capabilities and service levels of the People’s Bank of China and commercial banks in terms of service efficiency and quality,implement the purpose of "delegating control and service",and enhance the satisfaction of corporate customers.Through the research in this article,the problems and countermeasures of canceling the account opening license issuance business for the People’s Bank of China Dalian Central Sub-branch are proposed,and reference and reference are provided for branches and sub branches of the People’s Bank of China in other regions on canceling the account opening license issuance business procedures.