JX Bank's Internal Fund Transfer Pricing Management Optimization Research

As we all know,after nearly ten years of financial crisis at home and abroad,China's financial industry not only withstood the test of high risk,but also with the help of several crises,the overall level of China's banking industry continues to develop and improve.Some banks in our country have gradually changed from extensive management mode to refined management mode,and rapidly developed into domestic specialized and strong banking institutions.Of course,compared with some excellent foreign commercial banking institutions,these domestic specialized and strong banks still have a great distance.Because some excellent foreign commercial banks have been using the refined management platform for many years,and they have been using the internal transfer pricing system for many years.Indeed,with the deepening of competition among commercial banking institutions worldwide,financial disintermediation and market-oriented interest rates,a refined management tool,the internal transfer pricing system,has emerged,and it constantly relies on the growing competitiveness of commercial banking institutions and the improvement of management level to improve and develop itself.With the development of the times,many multinational banks,especially excellent commercial banks,have established and perfected the internal transfer pricing system in the fields of product pricing,performance appraisal,risk management and resource allocation,and played a very good role in the relevant fields.These banks have been inseparable from this tool.Based on the relevant basic theory and practical experience,combined with the experience of basic theory and practical cases,relying on the implementation mode,basic concepts,existing problems and optimization schemes of the internal fund transfer pricing system,and the situation of promotion and application,this paper comprehensively demonstrates the universality of the internal fund transfer pricing research at home and abroad.According to the urgency of building and applying the internal fund transfer pricing system and referring to the actual situation,this paper systematically analyses the internal fund pricing of our bank.At the same time,based on the accumulated experience in the actual production and application,this paper conducts a comprehensive and multi-dimensional study on the internal fund transfer pricing of commercial banks,and calculates how much income each debt brings and how much assets are occupied.Less cost.Based on practical experience and case study,this paper expounds the problems that the model may face in production and application.At the same time,appropriate,corresponding and effective suggestions are put forward according to the actual situation.The main purpose of this paper is to study the realization mode of internal capital pricing in banks on the basis of referencing,learning,researching and discussing the relevant research results.At the same time,combining theory with practice,combining with practical work,practical work experience in system construction and operation,as well as doubts,difficulties and puzzles faced in the work,the paper studies the realization mode of internal capital pricing in banks,combining theory with practical experience.Find out the system pricing method and suitable pricing model for commercial banks.This will be conducive to improving the competitiveness and adaptability of banks in the market,survival of the fittest and elimination of the unwell,which will be of great help to improve the competitiveness of banks.At the same time,the author hopes that this paper will provide an effective,practical and theoretical reference value for the study of capital pricing of local commercial banks and financial institutions.