代理开立单位银行结算账户的问题与建议——以宁夏为例

The Issues about Being Agents to Open Unit Bank Settlement Account and Suggestions——A Case of Ningxia

随着我国金融业的快速发展,单位银行结算账户的代理开立出现新的情况。本文通过发放调查问卷、实地走访等方式,对代理开立单位银行结算账户的现状进行了调查,发现存在账户真实性落实难、代理人身份识别难、资金风险高、久悬账户增多等问题,须从加强账户监督管理出发,进一步规范代理开户行为。

Along with the rapid development of the financial industry in China, a new situation arises when opening the unit bank settlement account as the agent. By means of methods like questionnaires and on-spot visits, the paper investigates the present situation of being the agent to open the unit bank settlement account, and finds that there exist such problems that it is difficult to identify the account authenticity and agents’identity, the capital risk is high, and the number of suspended accounts is increasing and so on. Mea-sures should be taken to strengthen the supervision and management of the accounts and further regulate the behaviors of agents to open an account.