The Solution Of Internet Banking To The Cash Management Of Enterprise Groups

Cash management decides the life and death of an enterprise. The enterprise has to manage the cash assets effectively, and achieve the max profit on the basis of a guarantee to its fluid. But the fact is that it is more difficult for the bigger-sized and wider-spread enterprise group to manage cash effectively, due to its area, pattern of financial management and so on.This dissertation is written on the basis of research on the developing course of Internet Banking, the general concept definition, the main characteristics, the patterns of organization, the types of operation, the security system, and the present developing state of our national Internet Banking. It analyses the present state and demand of cash management of enterprise groups in China. To solve the ubiquitous problem that the domestic large-sized enterprise groups have difficulties in cash management, and combined with Internet Banking and its latest development, it raises a brand-new solution based on the Internet Banking platform. It takes a demonstration analysis on cash management operating solution of Internet Banking (this solution is provided to a XX company in Sichuan by a certain national commercial bank). It has a further discussion on how to optimize and improve the cash management solution of Internet Banking. Finally, built on the analyzing, researching and discussing conclusions above, and combined with this case, it raises the ideas of the general solution, based on the InternetBanking, to the cash management of large-sized enterprise groups. It has a detailed clarification of the optimized solution from nine aspects of the general pattern, gathering management, payment management, the management of flowing cash, the management of account information, investment management, financing management, the information commerce services, and the flexibility of the solution.