商业银行现金池管理研究

发布时间：2019-01-27 12:12

【摘要】：随着国内大型集团、跨国公司的业务不断扩张，，企业对于内部资金集中管理的需求也日益增加。尤其在后金融危机时期，“现金为王”的理念重新登上了历史舞台，现金管理能力的高低也越来越成为企业能否成功发展的关键。与此同时，中国加入WTO后，许多优秀的外资银行进入国内金融市场，也把企业现金集中管理服务这一新兴业务带到了中国，为国内商业银行带来了新的启发，现金管理服务的业务已在国内银行中悄然展开。商业银行现金池业务则是一种基于电子网络平台的资金集中管理新模式，并越来越被国内商业银行所重视。作为银行的一项中间业务，现金池不仅能够为商业银行带来极大的利润，还能够促进银行综合服务能力的提高，有利于国内银行的战略转型。另一方面，现金池模式下的资金集中管理具有专业、个性、综合化的特点，能够满足集团和跨国公司的现金管理需求，有利于促进国内企业长期、稳定地发展。本文运用了对比比较、理论联系实际、案例分析等研究方法，对现金池业务的涵义、特点、运行机制等进行了阐述，并对比分析了国内外现金池业务的发展异同，重点研究了国内现金池业务发展中出现的问题，最终从法律政策、监管机制、市场微观主体三个方面提出了国内现金池业务未来发展的建议。
[Abstract]:With the domestic large groups, multinational companies continue to expand their business, the demand for centralized management of internal funds is also increasing day by day. Especially in the post-financial crisis period, the concept of "cash as king" re-ascended the historical stage, and the ability of cash management became the key to the successful development of enterprises. At the same time, after China's entry into the WTO, many excellent foreign banks have entered the domestic financial market and brought the new business of centralized cash management service to China, which has brought new inspiration to domestic commercial banks. Cash management services have been quietly launched in domestic banks. The cash pool business of commercial banks is a new mode of centralized capital management based on electronic network platform, and has been paid more and more attention by domestic commercial banks. As an intermediate business of banks, the cash pool can not only bring great profits for commercial banks, but also promote the improvement of comprehensive service capacity of banks, which is conducive to the strategic transformation of domestic banks. On the other hand, the centralized management of funds under the cash pool mode has the characteristics of specialty, personality and integration, which can meet the cash management needs of both groups and multinational corporations, and help to promote the long-term and stable development of domestic enterprises. In this paper, the meaning, characteristics and operation mechanism of cash pool business are expounded by comparison, theory and practice, case analysis and so on, and the similarities and differences of cash pool business development at home and abroad are compared and analyzed. This paper focuses on the problems in the development of domestic cash pool business, and finally puts forward some suggestions on the future development of domestic cash pool business from three aspects: law and policy, supervision mechanism and market micro main body.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F830.42

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