本文選題：賬戶管理 + 賬戶分類�。� 參考：《安徽大學(xué)》2017年碩士論文

【摘要】：中國(guó)人民銀行作為賬戶工作的行政主管部門,先后頒布實(shí)施了《人民幣銀行結(jié)算賬戶管理辦法》《個(gè)人存款賬戶實(shí)名制規(guī)定》及一系列與賬戶管理工作相關(guān)的規(guī)范性文件,對(duì)我國(guó)單位和個(gè)人銀行結(jié)算賬戶的開立、變更、撤銷和使用等進(jìn)行了逐步規(guī)范化管理,也對(duì)違規(guī)開銷、使用銀行結(jié)算賬戶的行為規(guī)定了處罰標(biāo)準(zhǔn),進(jìn)而對(duì)通過銀行賬戶進(jìn)行經(jīng)濟(jì)犯罪起到遏制作用,保證了經(jīng)濟(jì)金融活動(dòng)的順利進(jìn)行。隨著經(jīng)濟(jì)、社會(huì)、法治和科學(xué)技術(shù)的發(fā)展變化,各類創(chuàng)新金融產(chǎn)品不斷涌現(xiàn),現(xiàn)有的賬戶管理辦法中部分條款和具體操作要求漸漸暴露出與實(shí)際情況的沖突,通過銀行賬戶從事違法犯罪的犯罪手段和犯罪工具也逐漸衍生升級(jí),現(xiàn)有的賬戶管理監(jiān)管體系已漸漸"力不從心",如何對(duì)相關(guān)銀行賬戶進(jìn)行有效監(jiān)管成為現(xiàn)階段的監(jiān)管重點(diǎn)和難點(diǎn),因此,我國(guó)銀行賬戶實(shí)務(wù)中最核心的文件《人民幣銀行結(jié)算賬戶管理辦法》日漸暴露出了一些不適應(yīng)性。為了更好的服務(wù)社會(huì)經(jīng)濟(jì)發(fā)展,提升支付服務(wù)效率,適應(yīng)當(dāng)前的經(jīng)濟(jì)環(huán)境變化,賬戶管理體系有待進(jìn)一步改革,賬戶管理理念有待進(jìn)一步創(chuàng)新,賬戶管理工具有待進(jìn)一步優(yōu)化。本文以基層央行監(jiān)管實(shí)務(wù)為出發(fā)點(diǎn),緊扣監(jiān)管管理模式,緒論從研究的背景與意義、國(guó)內(nèi)外相關(guān)研究成果、研究方法與思路進(jìn)行闡述,進(jìn)而得出可能的創(chuàng)新點(diǎn)。第二章基本理論介紹包括賬戶管理的相關(guān)概念以及賬戶管理的內(nèi)容,第三章主述我國(guó)賬戶管理的發(fā)展歷程與主要制度,分析在不同歷史時(shí)期與當(dāng)時(shí)經(jīng)濟(jì)社會(huì)情況相符合的賬戶管理的不同內(nèi)容。第四章講述當(dāng)前賬戶管理現(xiàn)狀與問題分析,從政治環(huán)境、經(jīng)濟(jì)環(huán)境、法治要求、互聯(lián)網(wǎng)的廣泛應(yīng)用、與國(guó)際融合的趨勢(shì)這些必要性方面進(jìn)行闡述,提出當(dāng)前賬戶管理的現(xiàn)狀和問題。第五章根據(jù)國(guó)際上一些國(guó)家對(duì)于賬戶管理的做法總結(jié)經(jīng)驗(yàn),與我國(guó)現(xiàn)行賬戶管理方式進(jìn)行對(duì)比。最后提出構(gòu)建新型賬戶管理模式的展望并給出新型賬戶管理模式的建議,進(jìn)而得出結(jié)論。選題是從賬戶管理過程中遇到的實(shí)際問題出發(fā),羅列賬戶管理中一些陳舊制度、管理方式,通過利用賬戶從事違法犯罪的案例證明銀行賬戶的開立、變更、撤銷和使用需要進(jìn)行規(guī)范化的管理,才能維護(hù)經(jīng)濟(jì)金融秩序。本文旨在通過對(duì)我國(guó)銀行賬戶管理政策現(xiàn)狀的分析,將賬戶監(jiān)管過程中現(xiàn)存問題列舉出來,把理論與實(shí)踐相結(jié)合,以構(gòu)建賬戶管理新模式并提供政策建議為最終的研究目的。
[Abstract]:As the administrative department in charge of account work, the people's Bank of China has successively promulgated and implemented the "measures for the Administration of RMB Bank settlement accounts" and the regulations on the Real name system of individual Deposit accounts, as well as a series of normative documents relating to the management of accounts. The opening, alteration, revocation and use of bank settlement accounts by units and individuals in China have been gradually standardized, and the penalty standards have been set for illegal expenses and the use of bank settlement accounts. Furthermore, it can restrain the economic crime through bank accounts and ensure the smooth progress of economic and financial activities. With the development of economy, society, rule of law, science and technology, various kinds of innovative financial products are constantly emerging, and some provisions and specific operational requirements of existing account management methods gradually reveal conflicts with the actual situation. Criminal means and instruments for committing illegal crimes through bank accounts are also gradually derived and upgraded. The existing account management and supervision system has gradually "not been able to do", how to effectively supervise the relevant bank accounts has become the focus and difficulty of supervision at this stage, therefore, The most important document in the bank account practice of our country, the management method of RMB bank settlement account, has exposed some inadaptability day by day. In order to better serve the social and economic development, improve the efficiency of payment services and adapt to the current economic environment, the account management system needs to be further reformed, the concept of account management needs to be further innovated, and the account management tools need to be further optimized. Based on the practice of central bank supervision at the grass-roots level, this paper focuses on the management mode of supervision and management. The introduction expounds the background and significance of the research, the related research results at home and abroad, the research methods and ideas, and then obtains the possible innovation points. The second chapter introduces the basic theory including the related concepts of account management and the content of account management. The third chapter describes the development process and main system of account management in China. This paper analyzes the different contents of account management in different historical periods and in accordance with the economic and social conditions at that time. The fourth chapter describes the current status of account management and analysis of problems, from the political environment, economic environment, the requirements of the rule of law, the widespread use of the Internet, and the trend of international integration of these necessary aspects. Put forward the current situation and problems of account management. The fifth chapter sums up the experience of some countries in the world, and compares it with the current way of account management in our country. Finally, the paper puts forward the prospect of constructing new account management mode and gives the suggestion of new account management mode, and then draws a conclusion. Starting from the practical problems encountered in the course of account management, the topic is to list some old systems and management methods in account management, to prove the opening and alteration of bank accounts by using accounts to engage in illegal and criminal cases. Withdrawal and use need to carry on standardized management, can maintain economic and financial order. The purpose of this paper is to analyze the current situation of bank account management policy in China, list out the existing problems in the process of account supervision, combine theory with practice, and construct a new model of account management and provide policy suggestions for the ultimate purpose of the research.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 王勇;;銀行結(jié)算賬戶管理問題[J];中國(guó)金融;2016年04期

2 朱七五;;個(gè)人銀行結(jié)算賬戶管理與主要問題研究及討論[J];經(jīng)營(yíng)管理者;2016年05期

3 胡高霞;呂東;;大數(shù)據(jù)技術(shù)在銀行業(yè)務(wù)中的應(yīng)用[J];武漢金融;2016年01期

4 江四清;丁昱;;大數(shù)據(jù)技術(shù)在中央銀行業(yè)務(wù)中的應(yīng)用前景分析[J];黑龍江金融;2015年05期

5 劉春霖;;基于大數(shù)據(jù)技術(shù)的銀行業(yè)發(fā)展分析[J];硅谷;2015年04期

6 朱東琴;;也談支付創(chuàng)新對(duì)央行賬戶監(jiān)管影響[J];科技創(chuàng)新導(dǎo)報(bào);2014年26期

7 王艷華;;銀行結(jié)算賬戶管理亟待完善[J];中國(guó)金融;2012年03期

8 王亮;段福元;;結(jié)算賬戶管理中存在的風(fēng)險(xiǎn)隱患與防范措施[J];中國(guó)集體經(jīng)濟(jì);2010年28期

9 左良;;淺析日本銀行賬戶管理及其在我國(guó)中央銀行的應(yīng)用[J];金融與經(jīng)濟(jì);2006年09期

，

本文編號(hào)：2073883