HS银行机构客户现金管理研究-工商管理专业毕论文.docx

AbstractCash Abstract Cash management is financial services according to the enterprise funds management needs，commercial banks characterized as‘specialization，networking，integration’to Clients．Banks rely on advanced scientific and technological means to different industries， different needs of individual regions on the basis of Clients，existing allocated funds， investment management，profit distribution management，account management， information consulting services and other financial products and services the overall package combination，providing one—stop integrated services to the public，to meet Clients reasonable liquidity,achieve financial control，improve capital efficiency and liquidity or a series of demands．The current market competition is increasingly intense，business operation philosophy and management level improved，the financial management department has exceeded the simple accounting management functions gradually be converted to profit-oriented concepts．Enterprise managers and fmance staff are gradually learning to accept cash management concept． As one of the important sources of HS bank deposits，Institutional Clients can effectively stimulate the development of liability business；the company is funding HS banking business assets and reliable protection．It means a non-Institutional customer in addition to retail customers than enterprises，including govemment organs，institutions， social organizations，and the PLA headquarters，all branches of the military,armed police and other military systems and financial industry clients．For the banks，Institutional Client cash management business in favor of long—term cooperation between the Bank and the Government firmly,enhance customer stickiness；conducive to change banks profit model，minimize the transaction costs of commercial banks，obtain substantial and steady growth of intermediary business revenue；in addition，to speed up the Cash management business is good to bank on the depth of excavation downstream Insti