Overall Design On Bank A's Cash Management Services And Case Analysis

Keeping paces with the speedy development of modern market economy in China, the significant meaning of cash management has been gradually realized by a great deal of enterprises by now. As exerting internal potential, these enterprises are searching for spaces cooperating with commercial banks in the aspect of cash management service, which are provided by banks, in order to achieve the aims of reasonable capital flow, effective superintendence on corporate finances and improvement in capital efficiency. However, due to late start and poor-set foundation, many problems do exist in cash management service field. Therefore, it is meaningful for commercial banks to innovate in the existing cash management procedure and make appropriate plans according to enterprises' actual demands on cash management. By the means of case design and analysis, the writer uses foreign banks' existing cash management systems integrated with relative experiences in the near two decades for reference, and at the same time tables a proposal on the procedure of cash management which in the writer' s view may be suitable for the commercial banks' situation in China.In this essay, the writer firstly introduces to us the beginning and the development of cash management service that brought by the demands from enterprises for managing cash flows. Then, how Bank A could design and recreate its operating procedure on cash management service is presented to us accordingly. Furthermore, through case analysis on BankA, the writer expatiates his view that the bank can consolidates its decentralized products for making an appropriate project to meet its client' s actual demands on cash management. Finally, aiming at Chinese bank' s shortages in the field, the writer states his solutions for those problems, such as: ① to enhance understanding, convert ideas and definitude the significance of cash management service development for commercial banks; ② to consolidate the existing products and to devise new ones based on the concept of cash management so as to improve the bank' s general ability to compete with others; ③ to intensify our general understanding on such services, and to greatly improve the service level; ④ to expedite the informative basic construction to providing effective technological support for cash management service; ⑤to put emphasis on personnel training in order to improve qualities of the bank' s marketing group.