Study On Internal Funds Transfer Pricing Of Commercial Banks

From the full liberalization of the loan interest rate control,we can see no longer the setting of the upper limits of deposit interest rates,and China's interest rate market reform has made a qualitative leap.It is the most that commercial banks have seen,in terms of giving them more pricing power,plus traditional deposit and lending interest rates no longer exist.It has enjoyed the bonus system yet faces great threat and challenge.In market competition,only progress can be stopped and in order for commercial banks in China to achieve sustainable development,reform is imperative.This paper firstly studies the background of interest rate marketization,the specific impact of the develop ment process of China's traditional banks in the interest rate market,which in turn leads to the internal funds transfer pricing system,having made it a full range system.The introduction,explains the internal funds transfer pricing system based on a model.Then it introduces how to price and compares several models.In this paper,the CMBC Bank is cited as an example.This paper introduces the bank transfer pricing system in order to improve the process,it is an analysis of its effectiveness and the shortcomings of the perfect pricing system.Finally,it is written to explain the use of internal funds transfer system in our country and other constraints.The conclusion of this paper shows that China's commercial banks need to further improve the internal funds transfer pricing system.It is considered from the perspective of commercial banks and government regulatory agencies to ensure the perspective of commercial banks,based on the interests of the bank's internal funds system,in order to improve the structure of assets and liabilities,optimize? innovate and to continuously explore new methods.At the same time,it is also necessary to strengthen the management of employees,to improve the risk management system,and to do a good job of supervision.