The Design Of The Cash Management Program On The Internet Banks Of Conglomerates

E-commerce is a new tidal wave, which has huge influence on the banking industry. No matter what types of transactions, traditional or digital, fund payment is always a critical point. The only difference between these two is that e-commerce procedure and means electronically. As the final executive of electronic payment and settlement, banks function as a bridge between buyers and sellers. The service of electronic payment provided by internet banks is the highest level and the key of E-commerce, which has a direct relationship to the prospective of E-commerce. But currently, the development of internet banking service of Chinese commercial banks is still limited to traditional businesses, and too little consideration is given to the individual needs of corporate clients. Cash management service is an individual and integrated financial innovation provided by commercial banks. At present, cash management is becoming more and more urgently needed by conglomerates. Therefore, researching and designing the cash management program through internet banks for conglomerates, satisfying their e-commerce needs for fund flow, information flow will attach great importance on the further development of internet banks in China.This paper is appointed out the technology and current products about theinter-banking service provided by civil commercial banks. It analyses the marketing prospective of inter-banking cash management of conglomerates, accompanying the conglomerates demand of funds settlement, information transmitting in e-commerce. It express the designing train of thoughts about improving cash management program, building cash management platform on the internet banks of conglomerates, as well as something about the deeply research and project practice, according to cash management theory. It says the detail about the project management of the BTB(BTC) cash management project in e-commerce for Sichuan tobacco company, including demand analyzing, program designing, project developing, testing and applying, emphasizing at project designing, executing, testing and security about the project.With this project, the Sichuan tobacco company can do something anytime like inter-ordering, inter-purchasing, inter-transaction, inter-settlement and internal funds transferring. It helps the company hold the information in all the process such as ordering, money transferring, consignment, and help the company improve work process, enhancing money efficiency and financial management, fulfilling the demand of funds and information flow by the client, promoting the work efficiency of integral Sichuan tobacco system. Because of it's stable,constant and good works, this project is praised extensively by Sichuan tobacco systems.