Research On The Pricing Management Of Fund Transfer In JX Agricultural And Commercial Bank

This paper introduces the internal funds transfer pricing system in detail.The steady progress of interest rate liberalization in China has brought new challenges to the management and operation capacity of internal funds of commercial Banks.Based on the current situation of China's banking industry,this paper proposes to construct a comprehensive model of internal funds transfer pricing in commercial banks.Internal funds transfer pricing system is an important tool for risk management,product pricing,resource allocation,performance evaluation,decision making optimization and operational efficiency improvement,which plays a great role in promoting the management level and competitiveness of commercial banks.By selecting the internal funds transfer pricing system of JX Rural Commercial Bank as the research sample,this paper conducts an in-depth study on this management mode and existing problems.Based on the successful experience of internal funds transfer pricing in western developed countries,the paper puts forward the optimization and safeguard measures of internal funds transfer pricing management mode for JX Rural Commercial Bank to help it realize the improvement of management of internal funds transfer pricing.At present,such problems as decentralized interest rate risk management mode,information asymmetry between head office and branches,yield curve and other problems make it hard for banks to price products scientifically and reasonably,which,to a large extent,affects the operation stability of commercial banks,makes it difficult to achieve fair performance appraisal,and is not conducive to the long-term development of commercial banks.Besides,continuous optimization and improvement of the internal funds transfer pricing system is able to realize the fine management of JX Rural Commercial Bank,improve the level of product pricing ability,achieve the management of employee performance appraisal,and enhance the bank's profitability and competitiveness in the same industry.Therefore,it is particularly important to introduce the internal funds transfer pricing mechanism and construct the internal funds transfer pricing system with commercial banks,which is not only able to make the management unit evaluate the performance correctly and optimize the resource allocation of the whole bank,but also guide the product pricing scientifically and realize the centralized management of the interest rate risk.According to the conclusion drawn in this paper,management optimization can be realized from the following aspects: I.Strengthen cost concept and establish costconsciousness;II.Improve the internal funds transfer pricing mechanism,improve product pricing ability and make it more scientific and reasonable;III.Build an interest rate risk management system and improve the ability of commercial banks in risks management and control.