人民币银行结算账户在社会经济中被视为资金收支的源头和终结点,是社会资金流通的基

础,也是银行客户使用金融产品、享受金融服务的载体,对人民币银行结算账户予以管理是从源

头上控制了预防逃避税、债等违法犯罪行为,是维护金融秩序的有效举措。正是因为人民币银行

结算账户在社会经济活动中的重要地位和特殊作用,人民银行作为中央银行始终把人民币银行结

算账户管理作为履行支付清算职责的基础环节。2003年4月,人民银行颁布了《人民币银行结算

账户管理办法》,2005年,组织各商业银行建成了人民币银行结算账户管理系统,用以规范银行

结算账户的开立和使用。商业银行作为贯彻和落实人民银行账户管理政策的主体,其账户管理工

作不到位将容易产生资金风险、挤占银行系统资源、影响与企业的合作关系,削弱自身管理效果,

进而影响到其业务的拓展,同时也面临被监管机构处罚的风险。因此,改进和完善商业银行账户

管理,对其服务客户,防范风险,合规经营具有重要的意义.

石嘴山银行于2009年3月21日正式挂牌营业,作为新成立的地方性金融机构,各项业务

尚处于粗放式发展阶段,与监管部门的要求还存在较大差距,也正因为如此可能会成为监管机构

的众矢之的。同时,与区内各国有商业银行相比,其在人民币银行结算账户管理方面还存在较多

需要完善和改进的地方。再次,经过3年的发展,其各项业务己初具规模,各项管理亟待理顺和

规范。从内外部环境看,一方面石嘴山银行账户管理未能很好地贯彻相关法律法规及政策,另一

方面其管理不到位造成了高成本、低效率,其违规行为也带来了经济损失。

基于以上考虑,本文将对石嘴山银行账户管理现状做出全面的分析,了解并衡量其人K币银

行结算账户管理中存在的问题,目的在于对石嘴山银行人民币银行结算账户管理提出有效解决措

施,不断提高其账户管理水平,以利于其K远合规经营。

关键词:人民币银行结算账户,银行结算账户管理,管理研究

The RMB bank settlement accounts, which reflect the funds settlement in the whole social

economic activities, are the foundation of fund trading in the economic activities. The customers can use

the banks&39; financial products and enjoy the services through the accounts. Strengthening the

management of the bank settlement accounts will combat the money laundering, debt and tax default

and other illegal activities, as well as maintain the stability of the economic and financial order. The

People&39;s Bank of China(the PBC),as the central bank, has always been considering the management of

the RMB bank settlement accounts as the basis of performing the duties of supervising the funds

settlement. In April 2003,the PBC issued ” the RMB bank settlement account management method ,’,

2005,the PBC established the RMB bank settlement account management system through all the

commercial banks.

The system regulates the activites in the open and use of the RMB bank settlement account. As

commercial banks paly a main role in implementing and carrying out the bank account management

polices issued by the PBC, they should strengthen the account management. The weakness of the

management will produce the fund risk, occupy the banking system resources, influence the

bank-enterprise cooperation, weaken the efficiency of management, and then affect its business

development, as well as face the risk of punishment by regulators. Therefore, to improve and perfect the

commercial banks&39; account management has significant meaning in the customer service, risk

prevention and compliance management.

The Bank of Shizuishan opened in March 21,2009.As a newly-established local financial

institution, all the business are still in extensive development stage, and has a large gap from the

regulatory requirements. Compared with the other State-owned commercial banks, the Bank of

Shizuishan should do more to improve the management of the RMB bank settlement accountssame time.

Furthermore, after three years of development, all businesses of the Shizuishan Bank have taken shape,

the management of all the businesses should be strengthened and standardized. From the internal and

external environment, the Shizuishan Bank cannot carry out the relevant laws, regulations and policies

of the the bank account management very well, failed to well carry out the; on the other hand, the weak

management caused the high cost and low efficiency, and the illegal behavior of the bank has also

brought the economic loss.

Based on the above considerations,this paper makes the comprehensive analysis of the present

bank account management situation, measures the existing problems of the RMB bank settlement

account management. The research aims to optimize the bank settlement account management, to

improve the level of management constantly, and to promote the long-term compliance management of

the Shizuishan Bank.

Key words: RMB bank settlement accounts, the bank settlement account management, the research of

the management