摘要国际经济不断恶化，金融形式不容乐观，各地的现金流都日益紧张起来，利率市场不断加速，金融脱媒的持续变化，让相关商业银行的利润增长速度逐渐下降，信用风险不断提高，金融中介的地位在持续下降。而且在资金上供需不平衡，很多企业在资金上有较为缺乏，为了避免企业资金链出现断裂，企业对自身的经营模式都进行了重大的调整，逐渐将资金管理的核心理念朝着“现金为王”转变。现金管理业务不仅在资金统筹和投资理财方面发挥着重要的作用，还在企业供应链融资方面起着非常重大的作用。因此，国内的商业性银行愈发的关注与重视商业布局的合理优化，树立令人信赖的品牌，不断对产品进行创新，使得现金管理相关业务的竞争也变得越来越激烈。本文主要结合财务管理理论研究上海浦东发展银行沈阳分行现金管理业务的发展战略。首先，从现金管理业务的内涵、功能服务、发展过程等基本理论进行分析，阐述了现金管理业务在同行业的发展现状，为深入分析提供参考。其次，结合上海浦发银行沈阳分行现金管理业务发展的数据，揭示了上海浦东发展银行沈阳分行目前现金管理业务在市场拓展、专业团队建设、品牌建设、产品体系等方面存在的问题，并从明确市场发展方向、建立专业的服务团队、加强宣传和产品开发策划的广度和准确性等角度，提出了上海浦发银行沈阳分行现金管理业务的发展策略和建议。希望能促进浦发银行沈阳分行业务结构转型，提高盈利能力和同业竞争力，为其他商业银行发展战略的制定提供一定的参考价值。关键词：浦发银行；现金管理；发展策略AbstractTheinternationaleconomyisdeteriorating,thefinancialformisnotoptimistic,thecashflowisincreasinglytense,theinterestratemarketisaccelerating,thecontinuouschangeoffinancialdisinter-mediation,theprofitgrowthrateofrelevantcommercialbanksgraduallydeclines,thecreditriskisincreasing,andthestatusoffinancialintermediarycontinuestodecline.Moreover,intheimbalancebetweensupplyanddemandincapital,manyenterpriseshavealackoffundsincapital.Inordertoavoidtheruptureoftheenterprisecapitalchain,enterpriseshavemademajoradjustmentstotheirbusinessmodel,andgraduallychangethecoreconceptofcapitalmanagementto"cashisking".Cashmanagementbusinessnotonlyplaysanimportantroleinfundcoordinationandinvestmentandfinancialmanagement,butalsoplaysaveryimportantroleinenterprisesupplychainfinancing.Therefore,domesticcommercialbankspaymoreandmoreattentiontothereasonableoptimizationofcommerciallayout,establishreliablebrands,andconstantlyinnovateproducts,makingthecompetitionincashmanagement-relatedbusinessesbecomemoreandmorefierce.ThispapermainlystudiesthedevelopmentstrategyofcashmanagementbusinessofShanghaiPu-dongDevelopmentBankShenyangBranchincombinationwithfinancialmanagementtheory.Firstofall,fromtheconnotationofcashmanagementbusiness,functionalservices,developmentprocessandotherbasictheoriesofanalysis,elaboratedthedevelopmentstatusofcashmanagementbusinessinthesameindustry,toprovidereferenceforin-depthanalysis.Second,combinedwiththeShanghaiPu-dongdevelopmentbankShenyangbranchcashmanagementbusinessdevelopmentdata,revealstheShanghaiPu-dongdevelopmentbankShenyangbranchofcashmanagementbusinessinmarketdevelopment,professionalteambuilding,brandbuilding,productsystemproblems,andfromtheclearmarketdevelopmentdirection,establishprofessionalserviceteam,strengthenpublicityandproductdevelopmentplanningbreadthandaccuracy,putforwardtheShanghaiPu-dongdevelopmentbankShenyangbranchcashmanagementbusinessdevelopmentstrategyandSuggestions.Keywords:SPDBank;CashManagement;DevelopmentStrategy目录摘要.............................................................................................................
