Investigation And Study On The Internal Fund Transfer Pricing Of Baoshang Bank

As domestic market-oriented interest rate reform gradually thorough, internal funds Transfer Pricing (Fund Transfer Pricing, the FTP) mechanism has become an international modern commercial bank assets and liabilities management tool, the basis of the interest rate risk stripping, performance appraisal, product Pricing, and the guidance of bank resources optimization configuration based platform, and other fields play a role, but also an essential tool for commercial Banks to fine management.Baoshang bank is the early implementation of the internal funds denominated in small and medium-sized commercial Banks, can be used as a typical representative investigation bank the operation situation of internal funds transfer pricing system, building, or branch of the pricing system of the headquarters of the implementation of specific policy is to establish a high efficient and perfect internal management mechanism is an important part of the funds. In this paper, we survey contents including the choice of the pricing method of the headquarters, how to share profits in the process of pricing calculator, release product guide price; operators in the concrete establishment of performance appraisal, business policy aspects of how to embody the guiding role of the internal funds transfer pricing. In investigating the contractor after the bank's internal funds transfer pricing system present situation, the author summarizes the internal funds transfer pricing in the commercial bank asset liability management, branch profit model and product pricing, analyzes the internal funds transfer pricing system in the process of building and executing incomplete. Finally put forward the dynamic management of internal funds denominated, perfect performance appraisal system, establish a multi-layer trigger bank linkage mechanism and so on, to explore the practice of small and medium-sized joint-stock commercial Banks internal funds transfer pricing to provide certain reference function.