“优化账户服务视角下”企业银行账户风险分类分级管理面临的困境及对策

Enterprise Bank Account Risk"from the Perspective of Optimizing Account Service"the Predicament and Countermeasures of Classifi cation and Classifi cation Management

企业银行账户风险分类分级管理是银行业金融机构全面、独立承担企业银行结算账户合规主体责任的重要内容,也是防范不法分子利用企业银行结算账户从事违法犯罪活动的重要手段。目前商业银行未能处理好风险防控和优化服务的关系,导致企业银行账户风险分类分级管理存在诸多问题。本文从实施分类分级管理的现状出发,分析当前商业银行面临的困境及存在的问题,探讨风险等级划分标准和管理措施,以期为商业银行有效开展企业银行账户风险分类分级管理工作提供指引。

Classifi cation and classifi cation management of enterprise bank account risks is an important content for banking fi nancial institutions to fully and independently assume the compliance responsibility of enterprise bank settlement accounts,and it is also an important means to prevent criminals from engaging in illegal and criminal activities by using enterprise bank settlement accounts.At present,commercial banks fail to handle the relationship between risk prevention and control and service optimization,which leads to many problems in the risk classifi cation and classifi cation management of enterprise bank accounts.Based on the current situation of implementing classified management,this paper analyzes the difficulties and existing problems faced by commercial banks,and discusses the risk classifi cation standards and management measures,in order to provide guidance for commercial banks to eff ectively carry out classifi ed management of enterprise bank account risks.