Small And Medium-sized Commercial Banks Internal Funds Transfer Pricing

With the advance of China's interest rate market, the rapid development of small and medium commercial banks and internal funds management level rising, prices of commercial banks' internal capital management to improve the commercial banks has become an important topic. In particular, as China's commercial banks have introduced the system, performance appraisal management improvements, how to adjust and guide the conduct of operations and business unit direction, how to develop a scientific and rational internal funds transfer pricing is extremely important.This first part of the internal funds transfer pricing application background, significance, literature review and a brief introduction to the framework paper. Commercial banks are now used for "able to save on the pretext of lack of an analysis model is proposed to replace the internal funds transfer pricing mechanism, "able to save on by" mode, and the meaning of internal funds transfer pricing, principles, operations, forms of organization and mode of operation were introduced and analyzed, and three kinds of operation mode of the detailed analysis and comparison.Second, detailed analysis of the internal funds transfer pricing of the three specific pricing, yield curve analysis focused on the different nature of the funds under the law of the specific product pricing. In this paper, China's commercial banks to small and medium specific reality, detailing the small and medium commercial banks, the external market environment, pricing is now funding deficiencies and financial management features, built China's small and medium commercial banks to take the headquarters of the organization to match the duration As the marginal cost of operation and specific method to FTP yield curve financial products as the internal funds transfer pricing method pricing mechanism. Meanwhile, funding for the current pricing method pricing in demand deposits, lack of precipitation fluctuation method proposed to replace the moving average method as the current deposit pricing model.Finally, in a small commercial bank, for example, the internal funds transfer pricing mechanism in China's actual use of small and medium commercial banks conduct an empirical analysis, and demand deposits in order to model precipitation fluctuation method was tested to prove more suitable for demand deposits pricing.