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| 摘要: |
| 利率市场化时代的即将到来,对城市商业银行内部资金的管理和营运能力提出了新的挑战,建立合理的内部资金转移和使用机制对于城市商业银行提高资金使用效率、降低资金运营隐性风险意义重大.本文在详细评判城市商业银行内部资金转型定价机制基本标准和优化取向的基础上,提出要通过"优化总部系统内部资金配置方式、基准价格计量模型、实际价格体系设计、定价操作和价格调整时差体系设计"等五个环节全方位构建城市商业银行内部资金转移模式,同时运用实践案例对模型进行验证. |
| 关键词: 内部资金 转移定位 高效低险 低效高险 |
| DOI： |
| 分类号:F832.33 F224.0 |
| 基金项目: |
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| Discussion on construction of interior capital transfer pricing model of urban commercial bank |
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ZHOU Xue-ping
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| Abstract: |
| Marketability of interest rate challenges management and operation ability of urban commercial banks. Establishment of resonable interior capital transfer and expending mechanism is important to raising capital expending efficiency and decreasing capital operation risk. This paper puts forward construction of interior capital transfer model of commercial banks by using optimization of interior capital allocation, basic price calculation model, practical price system design, pricing operation and price adjustment jet-lag system. The model is proven by experiments. |
| Key words: interior capital,transfer position,higher efficiency and lower risk,low efficiency and higher risk |
