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Minsheng Bank 's cash management system and its business management

Author: FengQian
Tutor: LiQiang
School: University of Electronic Science and Technology
Course: Business Administration
Keywords: Cash management Minsheng Bank Product system Business management
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 99
Quote: 0
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Abstract

The cash management is the Commercial bank take the cash fluidity management as a core, provides a series of account service, the fund to the enterprise to settle accounts, financing, managing finances, the investment and the risk management and so on comprehensive financial service. One of as domestic main Commercial banks, the Minsheng Bank basis profession characteristic and the enterprise locate the stage, has attempted positively for the enterprise provides personalized the cash management service, but, because the product research and development and carrying out were still at the start stage, at present the big thrust passes in and out international guarantees the question which the principle, physical distribution financing, the letter of guarantee, the domestic letter of credit, the account receivable pond and so on major product still exists many needs to solve.This article in the domestic and foreign cash management product’s rationale and in the summary foundation, first key carries on to the Commercial bank cash management’s development necessity clarifies analyzes; Next, provides the cash management service from the domestic and foreign Commercial bank the present situation to obtain, carries on the comparative analysis to the Chinese and foreign Commercial bank cash management service; Finally, take the Minsheng Bank as the illustrative case, the utilization case analytic method from the customer demand, the bank profit pattern and the tradition asset operation risk management pressure and cash management managing finances and so on many angles, the proof Minsheng Bank development cash management feasibility, as well as the development cash management to the Minsheng Bank interior resources conformity and the stable bank and business cooperation’s important meaning, and puts forward the improvement countermeasure proposal in the Minsheng Bank cash management product system and in business management’s foundation.This article illustrative case research further developed the cash management service for the Minsheng Bank to propose the following main countermeasure: The Minsheng Bank cash management product’s research and development and carrying out were still at the start stage, although to the management system management system, centralized processing systems and so on business model and services department reform has carried on the innovation, but also has many problems. For the comprehensive support enterprise cash management, the Minsheng Bank needs from the enterprise bargain for account, the fund fluidity, the investment management, the financing management and the risk management five aspects establishes the cash management product system. The Minsheng Bank development cash management industry must unify the enterprise actual to carry on the segmentation, the localization regarding the target market, adopts the variation competition method, according to the cash management service’s characteristic and the customer demand, carries on the organizational structure and the product conformity innovation unceasingly. Should adopt the new marketing pattern in the market marketing, the making product brand and the establishment core customer, and further reforms the internal management management pattern, provides the support from the system and the organization for the product innovation and the product conformity.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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