The Study On The Impact Of The Banking Financial Products To The Enterprise Financial Management

With the development of the modern enterprise, the traditional model of the financial management can't meet the requirement of the enterprise development in the new economic time. The enterprise needs some new ways and financial tools to improve the financial management level. In the paper we discuss the new idea to improve the financial management to use the banking financial products. The point has been mentioned that the enterprise could decrease the cost, avoid the risk by good use of banking products. It is the key factor to decide if the enterprise could develop continuously, healthy and stably when it's facing the furious competition.In the paper, we introduce the trend of the financial management and the development process of the banking products, analyze the problems occurred in the traditional financial management. In a result, the necessity of the using the banking products comes from the demand to the enterprise under the new information time, the urgent requirements for the enterprise to face the global competition. A lot of examples have been given to show the positive influence by using different products. So the enterprise could build a modern financial system by using the products to decrease the cost, avoid the risk, improve the efficiency and realize the financial network. In the analysis, the examples of the electronic products such as the duty express and other combined products using in the different enterprises have been give to show different results. In addition, we also analyze the effect of the products on the different scale enterprise. At last, the risk defense advices in using the banking products has been given, such as to strength the supervision of the internal mechanism, to stress the analysis and prediction of the financial risk and to bring up some talents, etc.