Rebuilding Of Funds Transfering Pricing System Of YRRB

Since 2012,with China's deepening reform of financial system,the people's bank of China carries forward market-oriented reform of interest rates deeply and widely by varieties of means,such as lowering benchmark deposit rate,deregulating upper limits of deposit rates of the financial institutions.In 2015,after five-time benchmark interest rate cuts and four-time nondiretional and five-time directional reserve requirement ratio cuts,and implementation of deposit insurance system,the survival of rural financial institutions face serious challenges,how to find elaborate management methods to advance the core competitiveness becomes the critical problem of rural financial institutions.In this paper,based on the current challenges of Yellow River rural commercial bank,such as diminishing of scale effect,narrowing of the net interest margin,the low level of internal funds management,ineffective interest rate risk management,outdated funds transferring pricing methods,etc.this paper puts forward the basic idea of rebuilding funds transferring pricing system,and forms a complete scheme.Through the study of this paper to build the theoretical framework of the bank's FTP system and models,provides reference for small and middle-sized financial institutions,especially the rural financial institutions to apply new FTP models.