A Study On The Introduction Of Cash Management Products By The Group Companies

In the past 30 years, with the continuous progress of the development of enterprise scale expansion and structure change, the global financial market, multinational business rise and information technology, financial management as an important part of the financial affairs of the company expanding and deepening, the scope of responsibility from the earliest cash management gradually developed to cover flow management, investment and financing decisions, risk management, financial planning, financial management information technology systems planning and enterprise staff pension management, and other many fields. In the joint efforts of many factors, group company financial management gradually from the financial accounting out of became an independent department, and the power of the latercomers surpass the formers. In the Large Firm, the growing importance of financial management, financial management department of the person in charge has become a direct report to the company directly to the board of directors of senior financial management CFO. From a domestic perspective, in the framework of the traditional enterprise management, cash and liquidity management, investment and financing decisions, risk management, financial planning, employee pension and external relationship management responsibilities, scattered in many departments of the company finance department and fund settlement department. Along with the enterprise scale expansion and business of the group and diversified, more and more enterprises began to tend to the treasury management responsibility together professional management, in order to achieve unified planning, improve efficiency, cost savings, improve efficiency and reduce the risk. At the same time, commercial banks in order to win in the increasingly intense competition, enhance the market share of the business clients and, is no longer confined to the traditional deposit and loan business, but will have business tentacles enterprise supply financial management process, to target customers provide a comprehensive financial management as the goal. The characteristics, embodied in the developed countries in the world bank and the group’s cooperation is more obvious, and in China is only a handful of multinational companies and large enterprises and banks have treasury management cooperation, mainly because of domestic enterprises understanding of banks or just Bureau limited to deposit and loan business, when they have a funding gap and the demand for loans, banks for help, but when faced with a cash management requirements, seldom think of bank.As a group, in cash management policy and regulatory framework, combined with the actual situation of the enterprise, choose suitable financial management model for enterprise to have the important meaning, and the choice of one or more effective service to established modes of bank service providers, cash at bank tube products is the key to enterprise financial management goal is reached. Therefore, we should strengthen the cash management of the group company and bank directly connected to explore, let more enterprise managers to realize financial management in enterprise management in the importance and bank in addition to meet the needs of enterprise loan can also play an important role in the financial management. In this paper, it is hoped that through the treasury management and existing research group problems, explore the group how to better introduce commercial bank cash management products to promote their own development.This paper will use the method of normative analysis and case analysis to study the introduction of commercial bank cash management products of group company. In the understanding of the Group Treasury Management Status and commercial bank cash management products development status based, with the concept of normative research methods to discuss financial management, group company financial management of the existing problems, and commercial bank cash management products how to apply to group company financial management, through the case analysis method to illustrate the enterprise how to use the banking intermediate products to achieve the optimized treasury management.The innovations are mainly embodied in the following aspects: first, according to the practical operation of enterprises in the new financial management mode such as cross-border corporate foreign exchange funds centralized business operation and can be combined with banking products were further summary and study, formed the theoretical system to return to Na; second, combined with a large multinational companies M company cash management status is analyzed, for its use of bank cash management products to further improve the management mode, saving labor costs increase profits in the process are described, with strong practical significance.The innovation of this paper is mainly reflected in: first, to A bank as the research object, research with industry characteristics and applicability; second, the design of the A bank’s potential customer access model, and put forward effective measures. Through in-depth analysis of key cases, the system to study how to effectively revitalize the bank data. It is closely related to the potential customer acquisition model in the field of application, data quality, data analysis team and model promotion of A bank’s potential customers, which is the follow-up research direction of this research.