The Research Of Funds Transfer Pricing System In A Bank

For the FTP system since the1980s, Bank of America bank management has been applied for the first time, after20years of evolution and development, has now become the basis of international modem commercial bank management tool in the evaluation of performance, resource allocation, product pricing, risk management plays the role of the underlying platform. A commercial bank is currently lagging behind the development of the domestic financial market, interest rate controls, and many other factors that limit, yet to establish an effective and efficient operation of the internal funds transfer pricing system, able to save still use traditional funding by the Bank as well as the line between management internal funds business. A commercial bank with the reform of China’s commercial banks deepened and the gradual formation of the interest rate market, the traditional extensive management model is facing serious challenges, and the introduction and implementation of the FTP system A commercial bank is necessary to enhance the management level.This paper first introduces the general concept of the internal funds transfer pricing (FTP system), the basic principles and pricing, as well as the role and significance of the bank management. A commercial bank funds management mode status quo, after analysis put forward by management model valuation range is narrow, and not take into account the duration of each business and interest rate characteristics specific circumstances and drawbacks able to save on the existing traditional funds, contrast FTP system advantages proposed to implement the the FTP system’s necessity. Based on the study, the third part of this paper proposed A commercial bank with their own actual situation, the establishment and implementation of a relatively complete scientific internal funds transfer pricing system specific measures program. Finally, based on the special nature of the domestic financial market and economic environment, A commercial bank to introduce and implement from internal funds transfer pricing techniques may face many difficulties and problems of the systems, structures, market and environmental analysis and make recommendations.At present, only a handful of commercial banks are initially set up FTP system, but not perfect. Related issues and initiatives is still under discussion with the research stage, how to establish effective FTP system theorists and practitioners need to solve the problem of how the full and effective implementation of this new FTP system management mode. In addition, research on the FTP system currently still in the initial stage, I would like to take this subject A bank can contribute to a better understanding of the FTP system will play a huge role, A commercial bank to establish sound FTP system to provide some ideas, more realistic theory guiding significance Bank A better establishment and implementation of the FTP system.