Research On The Business Model Of Corporate Cash Management Of Guangfa Bank

Cash is one of the most important properties in company.The importantance of a company's cash flow(in and out)islike the blood for human.With the development of a company,the importantance of the cash flow management is more and more emphasized by the business managers.It has become the critical part in company's operation and management.Therefore it is essential for a company to establish its own cash flow system for the competition and development in modern society.As an intermediate business of settlement in bank,the cash flow management business can not only bring revenues to the bank,but also benefit the bank in improving its integrated service and making strategy transition.Besides,business can be provided differently according to different needs of the customers,such as bank-corporate direct linkage,capital pool and bill pool,to help the customers increasing their capital usage efficiency and developing their business.It is customized,professional and integrated.In the paper,three methods are used: theory-practice linkage,comparison and case study.Firstly the paper describes the importance of the cash management to a company as well as the necessity of developing relative business to a commercial bank.Secondly,it researches and compares the business development of main commercial banks in China.Next by giving an example of a successfully executedcash management business case in Guangdong Development Bank,the paper studies both the advantages and disadvantages of the existing cash management products in Guangdong Development Bank.In the end,the paper gives some suggestions for future development.