A Study On Practice Of Commercial Bank Cash Management

Cash Management, is the comprehensive and individual cash management service for the top end public clients supplied by commercial bank mainly via the electronic banks, and based on the cash settlement network. It is an integration of sorts of services and products in the bank, with a core of settlement intermediate service, including account management, accounting, capital accumulation, corporative account overdraw and consultation, etc..As for client, cash management helps to set up an Personal Bank by the cash settlement network of bank. The Personal Bank generally realizes cash flow's in and out and management of retained earnings, which helps clients to change"Three -Expensive"into"Three-Low"and also get professional value added financial services by commercial banks. The Three-Expensive refers to expensive deposit, loan and financial fees while the Three-Low means the opposite. As for banks, cash management keeps the co-operation between enterprises and banks, reduces the costs of transactions and offers considerable profits in between. It helps to build up long-term credit management system and further exploit of superior clients.The thesis, which based on domestic and overseas cash management practices, the market and clients and the maximization of bank's value, develops its idea with elaborate details and objective analysis and fully analyzes the function and contribution of products. In the first part, the evolution and rationale of cash management service of commercial banks were summarized. In the second part, listed the characters of the cash management service of the foreign commercial banks and did some case analysis. In the third part, the present situation of the cash management service in China was analyzed particularly. In this part, the development history of the cash management service in China was summarized, and then followed by the illumination of some kinds of present operation modes by figures and tables, companying with some case analysis. At last, the major problems in this kind of services supplied by Chinese commercial banks were analyzed systematically. In the fourth part, author develops his own idea about the development of commercial bank's cash management. With the help of further locating target clients, improving services and supporting system, the three changes of commercial bank's cash management could become true. The three changes are the change from extensive management into compliant management, the single service platform into comprehensive service and the cash management into treasury management.