A银行企业现金管理业务创新研究

发布时间：2018-12-20 06:16

【摘要】：企业现金管理业务是现代商业银行依托数字化和网络化技术手段,在企业短期资金运用、日常结算业务过程中,为其提供包括账户管理,收付款、资金流动性管理、结算性融资、投资理财及信息服务的一项综合性金融服务,商业银行可以通过现金管理业务稳定银企合作,加快银行的产品创新速度,创造新的中间业务收入点,并有助于建立长效的信贷管理机制。本文的主要研究内容是A银行开展企业现金管理的业务创新,由于现金管理对于我国商业银行来说仍然是一项新兴业务,并非所有银行都能将这项业务作为一项战略业务来对待,很多银行的企业现金管理产品与服务体系、业务管理办法不完善,基于上述原因,本文着重分析了A银行在业务发展过程中存在的问题及原因,针对问题,提出该业务的创新具体内容,并给出了业务创新的保障措施。本文分五个部分进行论述,第一部分介绍了商业银行企业现金管理服务的基本概念和产品功能,阐述了国内外企业现金管理业务的发展情况和研究现状,提出本文的研究框架；第二部分介绍A银行的基本情况,梳理A银行现金管理产品目前的业务架构和产品体系,现有产品的种类；第三部分通过分析A银行企业现金管理业务的发展情况,在此基础上,寻找出目前该业务存在的问题,并归纳产生的原因,第四部分是本文的重点,详细阐述了A银行企业现金管理业务创新的具体内容,包含了发展模式创新、产品设计方法创新、客户服务方法的创新、考核量化体系的创新等,并对A银行企业现金管理业务未来的发展给出了建议；第五部分给出了业务创新过程中的保障措施,包括突破业务的发展瓶颈及强化风险防范,加强经营队伍建设,分析并紧跟业务发展趋势。
[Abstract]:Enterprise cash management business is modern commercial bank rely on digitization and network technology means, in the enterprise short-term fund use, daily settlement business process, provide for it including account management, receive payment, fund liquidity management, A comprehensive financial service for settlement financing, investment financing and information services. Commercial banks can stabilize the cooperation between banks and enterprises through cash management, speed up the innovation of banks' products, and create new revenue points for intermediate businesses. And help to establish a long-term credit management mechanism. The main research content of this paper is that bank A develops the business innovation of enterprise cash management, because cash management is still a new business for commercial banks of our country. Not all banks can treat this business as a strategic business. Many banks have corporate cash management products and service systems, business management methods are not perfect, for these reasons, This paper emphatically analyzes the problems and causes in the process of business development of Bank A, puts forward the concrete contents of the innovation of this business, and gives the guarantee measures of the business innovation. This paper is divided into five parts. The first part introduces the basic concept and product function of cash management service in commercial banks, expounds the development and research status of cash management business at home and abroad, and puts forward the research framework of this paper. The second part introduces the basic situation of Bank A, combing the current business structure and product system of Bank A's cash management products, and the types of existing products; The third part through the analysis A bank enterprise cash management service development situation, on this basis, finds out the present business existence question, and induces the reason, the fourth part is this article's focal point, The specific contents of cash management business innovation in bank A are described in detail, including innovation of development mode, product design method, customer service method, evaluation and quantification system, etc. Some suggestions are given for the future development of cash management business in Bank A. The fifth part gives the guarantee measures in the process of business innovation, including breaking through the bottleneck of business development and strengthening risk prevention, strengthening the construction of management team, and analyzing and following the trend of business development.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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