关于改进个人银行账户分类管理问题的分析

随着互联网和移动通讯技术的发展,支付领域风险范围、扩散速度、溢出效应程几何级数增长。为有效防范网络新型违法犯罪,保护人民群众财产安全和合法权益,中国人民银行相继发布了多项制度条例,全面推进个人账户分类管理。本文结合对商业银行账户分类管理专项调查结果,分析分类管理中存在的问题及原因,在此基础上,提出进一步改进个人银行账户分类管理的措施和建议。

Analysis on Improving the Classified Management of Personal Bank Accounts

With the development of Internet and mobile communication technology,the range of risk,the speed of diffusion and the range of spillover efiect in the field of payment are increasing geometrically.In order to effectively prevent new types of network crimes and protect the property safety and legitimate rights and interests of the people,the people's Bank of China has issued a number of systems and regulations to comprehensively promote the classified management of personal accounts.Based on the results of the special investigation on the classified management of commercial bank accounts,this paper analyzes the problems and causes existing in the classified management of commercial bank accounts,and on this basis,puts forward some measures and suggestions to further improve the classified management of personal bank accounts.