摘要：Cash management products are in the function of promotion of the company’s business,i.e.of liquidity management.The objective of this work is to determine the level of development of the Cash Management products in Serbia and their impact on the profitability and cost optimisation of a bank.Domestic banks established with foreign capital,primarily from Austria and Italy,were the first to introduce the initial contemporary Cash Management Products by the end of 2002,thanks to the development of electronic banking and relocation of the domestic payment transfers into the business banks.In addition,the analysis will show that banks with a clear focus on cooperation with the corporate clients are continuously developing this group of products in Serbia (Raiffeisen Bank,UniCredit Bank,Banca Intesa,Erste Bank).The research covers parallel presentation of development of the Cash Management products both of the domestic banks and their head offices abroad by the end of the year 2009 and the year 2012.The results of conducted research point out at the fact that the domestic banks established with the Italian capital (Banca Intesa and UniCredit Bank) have taken over the leading role in the introduction of the new and more modern Cash Management products thanks to the good sector of information technology that is present in Serbia.
其他摘要：Cash management proizvodi su u funkciji unapređenja poslovanja kompanije,odnosno upravljanja likvidnošću.Cilj ovog rada je da utvrdi nivo razvijenosti Cash Management proizvoda u Srbiji,kao i njihov uticaj na profitabilnost i optimizaciju troškova banke.Domaće banke osnovane stranim kapitalom,pre svega iz Austrije i Italije,su uvele prve savremenije Cash Management proizvode,krajem 2002.godine zahvaljujući razvoju elektronskog bankarstva i premeštanjem domaćeg platnog prometa u poslovne banke.Takođe,će analiza pokazati da banke sa jasnim fokusom na saradnju sa korporativnim klijentima kontinuirano razvijaju ovu grupu proizvoda u Srbiji (Raiffeisen banka,UniCredit banka,Banca Intesa,Erste bank).Istraživanje obuhvata paralelni prikaz razvijenosti Cash management proizvoda domaćih banaka i njihovih centrala u inostranstvu na kraju 2009.i 2012.godine.Rezultati sprovedenog istraživanja ukazuju da su domaće banke osnovane italijanskim kapitalom (Banca Intesa i UniCredit banka) preuzele vodeću ulogu u uvođenju novih savremenijih Cash management proizvoda zahvaljujući dobrom sektoru informacionih tehnologija u Srbiji.
