most profitable businesses 2014 3. Modern enterprise period (2) actual income -- the increase of material wealth; International Bank Transfers are often called global ACH. However, in fact, the actual term ACH, which means the Automated Clearing House network, is the term for electronic funds transfers only in the United States and Canada. But, functionality, international bank transfers are analogous to ACH. At present, about the nature of the enterprise. Western economists have different views. There is also some debate. Some western economists analyze the nature of the enterprise mainly from the perspective of transaction costs that coase emphasizes.