A Study On Practice Of A Bank Cash Management

Cash management, is a an integrated financial service provided by the bank to help corporates and institutional clients in a more efficient way to manage their accounts. that is, banks will have the payments, account management, information inqury and advisory services, investment and financing and other financial products and services Overall package for different types of customers in line with the needs of the personality of its cash management program, which allows customers to a more rational capital flows, financial monitoring to achieve more, to raise funds and the turnover efficiency.As China's current market competition and the level of corporates management continuous improvement, the financial sector has gradually transit from the simple accounting management center to profit center. The philosophy of cash management is gradually being accepted by the Secretary to the Treasury.As for clients, cash management helps to set up a Personal Bank through the cash settlement network. The Personal Bank generally realizes cash flow in or out and management of retained earnings,which helps clients to change"Three-High"into"Three-Low"and also get professional value added financial services by commercial banks.The Three-High refers to high deposit,high loan and high fees while the Three-Low means the opposite.As for banks,cash management keeps the co-operation between enterprises and banks,reduces the costs of transactions and offers considerable profits in between.It helps to build up long-term credit management system and further exploit of superior clients.In this paper, empirical research methods, comprehensive cash management theory and technology, on the implementation of the A bank of a well-known companies of the Group's cash management case analysis of the A bank's cash management business model and build a system of related products .First of all, the sort of commercial banks in this paper, cash management and operational functions of the basic concepts on the basis of an analysis of domestic and international cash management business of the development of the status quo and development trends. Through the classification method to compare the argument that domestic commercial banks cash management business necessity and innovative.Secondly, the combination of domestic commercial banks, cash management, as well as the main problems A bank's own situation and characteristics of the construction of the A bank's cash management system and product business model, with an emphasis given A bank cash management products should have the technical characteristics and The corresponding product features.Finally, through the case, given the bank A cash management products, the use of examples, and on that basis, in-depth analysis of the A bank's cash management business development bottleneck, and business development for the future given the recommendations.