单位银行结算账户管理存在的问题及其对策——以银川市辖区账户管理情况为例

Problems and Countermeasures in the Management of Unit Bank Settlement Account——A Case Study of Account Management of Yinchuan District

随着社会、经济、法制、科技的不断发展,银行和金融机构在对单位银行结算账户的申请、开立、撤销等环节存在许多不足,对相关账户进行有效地监管也成为基层人民银行现阶段的难点。优化账户分类,严格对单位存款人无户资质、无户条件的审核,简化业务流程,完善系统功能,优化交易账户管理机制,完善销户管理规定,进一步提高单位银行结算账户管理服务水平。

With the continuous development of society, economy, law, technology, there are many deficiencies in the bank settlement accounts of the application, issuance, revocation and other sectors, the effective supervision of the relevant account is difficult at this stage of the grassroots people＇ s bank. Optimization of classification, strict supervision on the unit without qualification, no deposit households conditions of the audit, streamline business processes, to improve the function of the system, optimize the transaction account management mechanism, improve the account management regulations, to further improve the management and service level of bank settlement accounts is essential.