Study Of The Postal Savings Bank Cash Management Business

With the sustained and rapid development of economy, many enterprises to increase of cash management requirements, it is out of cash management business bank provides a very broad market. Former bank cash management mode and cash management service can satisfy the demand of enterprise development and innovation, only cash management techniques and banking services, promoting the development of cash management business bank to bank, in cash management business has its own foothold. After the establishment of the postal savings bank, actively conducting strategic transformation, income structure. At present, the postal savings bank in domestic Banks are facing the fierce competition of cash management business, vigorously develop itself only through cash management business advantage and avoid and perfect the disadvantages of cash management business development, expand the postal savings bank new profit growth point.Based on the previous cash management business were reviewed, analyzed the current situation of the study on cash management business with Banks and new trends, the basic theory of cash management and financial innovation theory, market segmentation, market positioning, and customer value theory, based on theory of postal savings bank's cash management is analyzed, and the design of its cash management business management system is explored, according to the postal savings bank cash management business of internal and external environment, their strengths, weaknesses, opportunities and threats to the SWOT analysis, and use of the postal savings bank cash management business category and management mode of case implementation in quantitative analysis, and finally the postal savings bank cash management business on the basis of the study, puts forward the postal savings bank cash management, business development strategy suggestions and future development.Research shows that the postal savings bank cash management, business development and improve the need in the following aspects: come on market segmentation based on competitive strategy choice differentiation, Strengthening financial innovation ability, adopt appropriate organization structure, constantly integrated innovation, make full use of product information technology promotion service quality, Based on customer demand as the center", "the management pattern, the development of the personalized needs of cash management products, build their cash management products brand. Accelerate professional training and introduction of talents, etc.