中国银行XX分行单位银行结算账户管理问题及对策研究

发布时间：2018-04-04 19:29

本文选题：商业银行　切入点：单位银行结算账户　出处：《黑龙江大学》2013年硕士论文

【摘要】：单位银行结算账户是银行与企业客户之间建立业务关系的基础，是银行向企业客户提供金融服务的起点。银行拥有企业客户的数量、质量，既彰显了银行的实力，也决定着银行发展的潜力。近年来，各家商业银行对单位银行结算账户的拼抢愈演激烈，有些银行为了竞争需要，降低了准入门槛，，为洗钱、腐败等埋下了隐患。2009年，全国银行业在上海的多家分支机构相继发生案件，经过分析发现，各家商业银行均在账户管理环节有所放松。在这些银行开展案件治理工作的同时，也面临着竞争的压力。如何寻找风险控制与业务发展的平衡点，成为各家商业银行单位银行结算账户管理工作的难点。本文以中国银行XX分行单位银行结算户管理情况为切入点，力求通过分析问题，寻找出解决问题的方案。
[Abstract]:Unit bank settlement account is the basis of establishing business relationship between bank and enterprise customer and the starting point of bank providing financial service to enterprise customer.In recent years, commercial banks have become increasingly competitive over unit bank settlement accounts. In order to compete, some banks have lowered entry barriers and laid hidden dangers for money laundering, corruption, etc. In 2009,A number of branches of the national banking sector in Shanghai have occurred cases, after analysis found that each commercial bank in the account management links have been relaxed.In these banks to carry out case management work, but also facing the pressure of competition.How to find a balance between risk control and business development has become a difficult point in the settlement account management of commercial banks.Based on the bank settlement account management of XX branch of Bank of China, this paper tries to find out the solution by analyzing the problem.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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