齐鲁银行企业现金管理项目研究

发布时间：2018-03-14 02:32

本文选题：银行　切入点：现金管理　出处：《山东大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着企业规模的扩大及管理水平的提高,企业的经营理念也在不断转变,传统的企业网上银行功能,已逐渐满足不了大型集团企业客户资金归集、实时划拨、集团财务审核等个性化要求。银行现金管理业务的推出,大大提高了集团客户的财务管理水平和资金运营效率,从而带给企业安全、简易、实时、个性化的网上银行服务。作为现金管理业务刚刚起步的齐鲁银行,现金管理业务既是机遇也是挑战。本文运用齐鲁银行成功为G公司实现现金管理案例的方法,结合相关的现金管理理论,同时借鉴国内主流商业银行实践经验所形成的完善的现金管理服务方案,提出了笔者认为齐鲁银行现金管理业务存在的不足。在本论文中笔者首先介绍了企业的现金管理业务的涵义、银行推动企业现金管理项目的必要性、以及国内各主流商业银行的企业现金管理项目的介绍,然后对齐鲁银行成功为G公司实施现金管理项目的案例进行分析,最后笔者针对齐鲁银行现金管理业务的不足提出了自己的建议：1、齐鲁银行开展现金管理业务需要具备广泛的物理网点,且必须使之成为相互联系的结算网络,才可以保证汇路的畅通,清算的正确,否则无法满足客户的需求；2、齐鲁银行要想把现金管理业务做大做强应形成齐鲁银行现金管理产品品牌,设计系统的解决方案,使行银行服务的标准化和个性化相得益彰,从而更契合客户需求；3、齐鲁银行要想留住优质、大型客户应推出个性化、层次高的特色现金管理产品,使现金管理产品成为吸收优质客户和获取更多中间业务收入的竞争手段；4、齐鲁银行要想更好的推广现金管理业务应设立“产品经理”角色,制定产品研发组织体系业务流程。
[Abstract]:With the expansion of the enterprise scale and the improvement of the management level, the business philosophy of the enterprise is also changing constantly. The traditional function of online banking of enterprises has gradually failed to meet the needs of large group enterprises to collect customer funds and transfer them in real time. The introduction of bank cash management business has greatly improved the financial management level of group customers and the efficiency of capital operation, thus bringing security, simplicity, real-time, personalized online banking services to enterprises. As Qilu Bank, which has just started its cash management business, cash management business is both an opportunity and a challenge. At the same time, the author draws lessons from the domestic mainstream commercial bank practice experience to form the consummate cash management service plan, has proposed the Qilu bank cash management service existence insufficiency. In this paper, the author first introduces the meaning of cash management business, the necessity for banks to promote cash management projects, and the introduction of cash management projects of mainstream commercial banks in China. Then the case of Qilu Bank successfully implementing cash management project for G Company is analyzed. Finally, the author puts forward his own suggestion on the deficiency of Qilu Bank's cash management business. Qilu Bank needs to have a wide range of physical network to carry out cash management business, and must make it a interconnected settlement network. In order to ensure the smooth flow of the concourse and correct liquidation, otherwise it cannot meet the needs of the customers. Qilu Bank should form the Qilu Bank cash management product brand and design the solution of the system if it wants to make the cash management business bigger and stronger. The standardization and individualization of bank services complement each other, thus meeting the needs of customers even more. If Qilu wants to retain high quality, large customers should introduce personalized and high-level cash management products with special characteristics. To make cash management products a competitive means to absorb high quality customers and gain more intermediate business revenue Qilu Bank should set up the role of "product manager" and formulate the business process of product development organization system in order to promote cash management business better.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275.1;F832.33

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