Commercial Bank Inter-bank Cash Management Platform

In this study, the definition of "cash" refers to a broad sense concept of cash, that is, cash and cash equivalents.The cash is the most mobile part of enterprise assets,and always is the foundation and prerequisite to keep the enterprises operating smoothly. Through the circulation in different link and transformation between various assets,the cash mades effective delivery of resources to different departments and protects all operation segments to process successfully. The cash as the blood provides oxygen and nutrition to various organs, ensures the organs'function exerting normally and operating coordinately. In face of the global financial crisis which initiated by sub-loan crisis in United States, more and more enterprises pay attention to the concept of "Cash is King". In order to cope with the adverse external environment and improve the core competitive power, the importance of Cash Management is more significantly.In order to meet the financial management requirements of enterprises, many commercial banks launched the cash management. The Cash Management began in Europe and the United States, and it has 60-70 years development history so far. At present, Cash Managemen has become a more mature financial product, and it is the main business provide to the quality customer's enterprise in many banks. Moreover,cash management, financing, capital transaction and investment banking are the core products in the international banks now. The Cash Management was firstly introduced by Citi Bank in 1999, which started the development of Cash Management service in China. The other domestic banks began their Cash Management service subsequently.However, the functions and system platforms of Cash Management service becomes more and more alike after several years development. This research refers to the basic on the concept,theory and the other countries advanced experience of cash management, gathering with the analysis of the occurrence,history and current situation of cash management, which in order to find out the problems, solutions and feasible development way of Cash Management in the future.The creation and contribution of this study: firstly, previous studies mainly focus on how to increase and implement single-banking Cash Management, so this study jump out from the limitations of single-banking Cash Management, go through with horizontal and vertical development thinking, raise the meaning of Cash Management, decrease the complexity and workload of Cash Management implementation, finally to stimulate enterprise needs and speed up the implementation schedule, and to promote the further development of Cash Management market. Secondly, the lead bank can combine with other banks'resources through the construction of cross-banking platform which in order to raise the core competitiveness in Cash Management. Thirdly, the enterprise capital management system module into the Cash Management service, which can enrich the connotation of Cash Management, make Cash Management services extend to the enterprise interior, let enterprises enjoy more high-quality banking service.