Whether it is the tide of the domestic mobile Internet or the digital advancement, every change and change of the times has led to great changes in the transaction mode and behavior of enterprises. As an important carrier of serving the real economy, the transaction bank is constantly innovating with the customer's transaction needs, and has gradually become an important position for the strategic transformation of commercial banks. As one of the first commercial banks in China to explore and lay out trading banks, China CITIC Bank, after years of exploration and practice, has always adhered to the development concept and business model of ingenuity, served enterprise customers with advanced concepts and models, and made a strong contribution to the exploration and promotion of the development of trading banks by Chinese local banks. It is understood that China CITIC Bank took the lead in opening the road of exploration of trading banks in the 1990s. As a commercial bank that put forward the idea of transaction bank earlier in China, China CITIC Bank has been working hard on business layout, exploration and innovation. From settlement to financing, from domestic to international, it solves the multi-layer financial needs of customers and strengthens the chassis for the sustainable development of transaction banks. Based on its natural innovation "gene" advantages, China CITIC Bank has achieved a leading position in the industry in cash management, supply chain finance, international business, asset custody and other transaction banking segments. It has also led the industry in the group's cash management, Bill library, e-bill, cross-border RMB, B2B e-commerce services, Internet Financial custody and other businesses. At the same time, China CITIC Bank has established a product service system that comprehensively covers all aspects of the production and operation needs of enterprises, and has started the online exploration and attempt earlier, so as to synchronously match financial innovation with the changing needs of enterprises. Taking the lead in launching brand building comprehensive financial services with the accelerated process of interest rate marketization, the Internet economy has been widely infiltrated. CITIC Bank has integrated its corporate business advantages, integrated the "Internet +" factor, and created a brand-new transaction banking service from the perspective of "enterprise business model" and "transaction chain". In 2015, China CITIC Bank first launched the exclusive brand of transaction bank "transaction +, which is more than finance". It is reported that the launch of "transaction +" means the strategic improvement of the business layout of China CITIC Bank's transaction banking, and is the enrichment and development of its concept of transaction banking by using Internet thinking. Compared with the traditional banking business, the "transaction +" product system emphasizes "customer-oriented". On the basis of the traditional emphasis on enterprise financial services, it extends to the enterprise business end, and realizes the development of both the enterprise financial end and the business end. Through the six professional product system services of "e-payment, e-finance, e-commerce, e-trusteeship and e-channel", the company integrates payment and settlement, cash management, trade finance, financial optimization and risk management, comprehensively embeds the production and operation of the enterprise, serves the comprehensive financial needs of the enterprise, and helps the transformation and development of the enterprise. In recent years, the continuous impact of COVID-19 epidemic, the digital wave sweeping all walks of life, the increasingly complex market environment, and the production and operation mode and development of enterprises have also been deeply affected. "Contactless, non-contact" efficient operation, intensive financial management, intelligent treasurer