信用社（银行）《人民币银行结算账户管理办法》自查报告.doc

信用社（银行）人民币银行结算账户管理办法自查报告默认表情酷猴呆呆男信用社（银行）人民币银行结算账户管理办法自查报告为了加强银行结算帐户管理工作，维护支付结算的正常秩序，按照办事处转发人民币银行结算账户管理办法实施细则和人民币银行账户管理系统业务处理办法（试行）的通知文件要求，我区联社及时转发了文件，结合账户管理实施细则，提出了具体的检查要求，由各信用社安排专人对银行结算账户进行了一次全面详细的检查。现检查工作已经结束汇报如下：一、基本情况我区信用社年4月共有单位银行结算帐户1172个，其中，基本帐户964个、一般帐户60个、专用帐户123个、临时帐户25个。现有的银行结算帐户中，由于各种原因，未办理开户许可证的帐户404个，其中基本帐户353个，一般帐户19个，专用帐户21个，临时帐户11个。通过本次自查，撤消不符合规定的账户13个，转入久悬未取户240个。二、具体情况一、银行结算帐户的的管理和开立情况1、我区信用社银行结算帐户的开立、使用和撤消，都由各社确定一名人员进行审查和管理，实行专人负责。2、新开立的银行结算帐户，都能按照要求，资料保存完整，实行专卷专夹保管。3、大部分社的银行结算帐户的都建立了开销户登记簿，实行了开销户登记制度，开户资料基本完整。4、开立的基本存款帐户、预算单位专用存款帐户和临时存款帐户，绝大多数有人民银行核发的开户登记证或开户核准通知书。二银行结算账户的使用情况1、专用存款账户的支取现金大多能按照规定执行。2、一般存款账户无违规支取现金的行为。3、单位从银行结算账户支付给个人银行结算账户的款项，单笔超过5万元的，支付时基本能按照要求审查付款依据，保证款项支付合法合规。三、存在问题1、个别社由于人员变动，责任不清，账户资料保管不善等，使银行结算账户资料留存不完整。2、部分社的个别账户，因业务开展等原因，需经人民银行批准的，未及时报送人行批准核发开户核准通知书。3、个别社的专用账户和临时账户提现未报经人行审批。4、因未对账户资料年审，部分存款人账户信息变更后，不及时通知开户银行变更，致使信用社对存款人变更的信息无法及时处理。四、纠改措施针对自查中发现的问题和我区农村信用社的实际情况，准备从以下几个方面进行纠改：1、要求各社组织人员再次学习人民币银行结算账户管理办法，按照实施细则，严格遵守办法规定，确保结算账户管理的合法合规。2、对未经人行批准开立的部分银行结算账户，督催各社限期清理或按照办法要求重新审查后办理开户手续。3、对临时账户超过一年期限，又未申请延期的以及一年未发生业务且与信用社无债务关系的银行结算账户，通知存款人予以销户或转入久悬未取专户管理。4、加强对银行结算账户的管理和检查工作。今后，联社将按年对信用社银行结算账户的管理，进行专项检查，以督促信用社加强对银行结算账户的管理工作，纠正违规行为，维护支付结算的正常秩序。总之，通过这次自查，使我区农村信用社的银行结算账户管理工作，得到了加强和提高，但在个别社还存在部分问题，有待与我们在今后的工作中加以完善和纠正，以有效的维护支付结算正常秩序，防范和遏制违规开立账户进行洗钱犯罪活动，确保金融业务的稳健运行。 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