A Bank Cash Management System Construction Study

Cash management is a modern commercial bank management requirements for the enterprise funds and the launch of a digital technology and network of specialized financial services, business activities of the business and capital inflows and outflows of funds retained aspects closely related to the integration of banking products based on, according to business process reengineering system needs to re-make the cash management business includes:account management services; collection and payment services; investment and financing services; liquidity management services and information services, etc., is the bank for high-end corporate customers with a comprehensive and personalized money management services.Cash management business in a foreign country for nearly70years of development, from a single lock box services to the business development of highly integrated system, the target customers of globalization, diversification of product features, services, and service solutions designed to differentiate the standard level, a foreign banks to provide customers with one of the core banking services.Cash management business into China from2002, in the country immediately show a strong vitality, just a few years time, the domestic commercial banks are aware of the importance of cash management services, cash management for providing quality customer service to become the banks competed to occupy the high ground. Cash management services for businesses, is tantamount to help banks provide personalized solutions, the use of bank customized product features and business processes, to achieve the full range of cash outflows, inflows and retention management to help companies achieve "three hypervariable three low", the upcoming high savings, high loans, high financial costs into low deposit, low credit, low financial costs, and can also enjoy the added value of commercial banks to provide professional financial services.2006, A bank began to implement plans to build a cash management system, and to "cash management is a group for high-end customers to provide tailor-made service solutions,""Cash Management is a comprehensive financial services is carried out in-depth communication with customers and fully understand customer needs after customized financial solutions "and" cash management is an evolving financial services, along with the increasing customer demand and continue to deepen and develop the "three design the core concept, development a bank’s own cash management system. And in2009successfully on-line cash management system, named "A bank cash management platform."This paper provides cash management business to start domestic and international commercial banks, foreign banks at the same time learn from the advanced cash management business experience to Bank A as an example, through the use of case analysis from the management needs of enterprise funds and commercial banking cash management business analysis, summarized the current A corporate banking services in the public faced new challenges, new opportunities, with Bank A sophisticated network information system for enterprise customers to create a full range of cash management services. With the current enterprises, especially large enterprise groups for funds management in increasingly high demand for cash management business has been more emphasis on commercial banks, the market share of the cash management business has become a measure of the strength of commercial bank’s future competitiveness important indicator. A bank’s cash management including account management, collection and payment management, liquidity management, investment and financing management and information reporting five aspects, through these five areas detailed analysis of business needs, cash management in the business to ensure implementation of the system correctness.In cash management information systems technology implementation, cash management system for the system architecture, the physical architecture, security system and a detailed analysis of the various business modules, with proven core banking systems and peripheral characteristics of the system design ideas of the cash management system as core banking systems and outreach system of two parts, and the technical implementation of various systems to elaborate, the final completion of the A bank cash management system constructed of research.