广发银行企业现金管理业务模式研究
发布时间：2018-09-18 11:31
【摘要】：现金无疑是企业非常重要的资产之一,资金的流入、流出形成的企业资金流也被比作为企业的血液。随着企业的发展,现金流在企业经营管理中的重要作用正越来越广泛地受到企业管理者们的重视,现金流管理现已成为企业经营、管理中的重要环节,建立并完善一套适合企业自身发展的资金流管理系统和制度已成为现代企业竞争、发展的必要举措。企业现金管理业务作为银行的一项结算类中间业务,不仅能够为银行带来效益,还有助于提高银行综合服务能力,有助于配合国内银行的战略转型。同时,现金管理业务项下所包含的银企直联、资金池、票据池等业务可根据不同企业的需求进行不同的设置,具有个性化、专业化、综合化的特点,能够满足不同客户的不同需求,有助于帮助企业改善财务管理制度,提高资金使用效益从而促进企业进一步发展。本文通过对比比较、理论结合实际、以及案例分析三种研究方法,阐述了企业进行现金管理的意义、商业银行发展企业现金管理业务的必要性;其次对比比较国内主流商业银行的企业现金管理业务开展现状;再结合对广发银行已成功实施现金管理业务的案例进行举例,分析广发银行现有现金管理类产品的优势和不足,最后提出了笔者认为广发银行现金管理产品未来发展的建议。
[Abstract]:Cash is undoubtedly one of the most important assets of an enterprise. With the development of enterprises, the important role of cash flow in enterprise management is being paid more and more attention by enterprise managers. Cash flow management has become an important link in enterprise management. Establishing and perfecting a set of capital flow management system and system suitable for the development of enterprises has become a necessary measure for the competition and development of modern enterprises. As a kind of intermediate business of settlement, enterprise cash management can not only bring benefits to banks, but also help to improve the comprehensive service ability of banks and help to cooperate with the strategic transformation of domestic banks. At the same time, the bank and enterprise direct link, fund pool, bill pool and other business included under the cash management business can be set up differently according to the needs of different enterprises, which have the characteristics of individuation, specialization and integration. It can meet the different needs of different customers, help enterprises to improve the financial management system, improve the efficiency of the use of funds and promote the further development of enterprises. By comparing and comparing, combining theory with practice, and case analysis of three research methods, this paper expounds the significance of cash management in enterprises and the necessity of developing cash management business in commercial banks. Secondly, the paper compares and compares the current situation of cash management business of domestic mainstream commercial banks, and then analyzes the advantages and disadvantages of existing cash management products of Guangdong Development Bank by examples of the successful implementation of cash management business in Guangdong Development Bank. Finally, the author puts forward suggestions for the future development of the cash management products of Guangfa Bank.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2247772
[Abstract]:Cash is undoubtedly one of the most important assets of an enterprise. With the development of enterprises, the important role of cash flow in enterprise management is being paid more and more attention by enterprise managers. Cash flow management has become an important link in enterprise management. Establishing and perfecting a set of capital flow management system and system suitable for the development of enterprises has become a necessary measure for the competition and development of modern enterprises. As a kind of intermediate business of settlement, enterprise cash management can not only bring benefits to banks, but also help to improve the comprehensive service ability of banks and help to cooperate with the strategic transformation of domestic banks. At the same time, the bank and enterprise direct link, fund pool, bill pool and other business included under the cash management business can be set up differently according to the needs of different enterprises, which have the characteristics of individuation, specialization and integration. It can meet the different needs of different customers, help enterprises to improve the financial management system, improve the efficiency of the use of funds and promote the further development of enterprises. By comparing and comparing, combining theory with practice, and case analysis of three research methods, this paper expounds the significance of cash management in enterprises and the necessity of developing cash management business in commercial banks. Secondly, the paper compares and compares the current situation of cash management business of domestic mainstream commercial banks, and then analyzes the advantages and disadvantages of existing cash management products of Guangdong Development Bank by examples of the successful implementation of cash management business in Guangdong Development Bank. Finally, the author puts forward suggestions for the future development of the cash management products of Guangfa Bank.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
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