【作者】 金春笋；

【导师】 陈守东；

【作者基本信息】 吉林大学 ， 工商管理， 2010， 硕士

【摘要】 我国金融领域的逐步对外开放使得国内银行业的竞争越来越激烈,如何全面、有效地提高银行的管理水平和风险控制能力成为各家商业银行开始关心的课题。内部资金转移定价体系(FTPS)作为国外先进银行的产物,开始被国内各大商业银行引进并运用于日常业务经营中。随着银行业的不断发展,FTPS逐渐体现出其在资金管理、绩效考核、统筹全行经营等方面的优势。国内银行业对此体系作用的认识逐步加深,各行开始探索一套适合自己发展的体系模式。目前来说,国内研究资金管理的论文不少,但很少有对FTPS作系统的介绍与分析。大部分学者只是通过对国外银行的经验对此体系做基本原理的讲解与说明并未涉及国内具体的银行与案例,缺少实际的数据支撑。本文以民生银行长春分行的FTPS为切入点,通过对民生银行的内部资金转移定价体系的深入研究旨在介绍体系的原理、分析其模型、探讨其功能并对体系的局限性作出说明。通过此论文,为尚未建立FTPS的或还在探索此体系的银行提供一些理论基础与实践经验。本文的主要内容共分为四章:第一章包括前言和对体系的基本介绍。基本介绍中讲到民生银行长春分行目前FTPS运行的情况。第二章介绍了FTPS的功能与实际用途。解释了体系是如何在管理机构、绩效考核与协调全行发展战略中发挥作用。第三章则具体到FTPS的构建原理和数据模型。本章作为全文的重点详细说明了FTPS的构建原则与原理,随后在此基础上如何构建FTPS介绍了国内的一般方法和民生银行采用的方法。第四章作为结尾分析商业银行构建FTPS可能会遇到的一些困难,亦是在民生银行经验基础上介绍处理这些问题的方法。本文的主要特点是各章节都以民生银行为主要案例和理论基础,所有的数据都经民生银行内部实践、证实过,具备一定的说服力和参考价值。更多还原

【Abstract】 The gradual opening up of China’s financial field causing domestic banking industry increasingly fierce competition, how to fully and effectively increase the bank’s management and risk control as various commercial Yinxingkaishi topic of science. Internal funds transfer pricing system (FTPS) as the product of advanced foreign banks, major domestic commercial banks began to be introduced and applied to daily business operations. With the continuous development of the banking industry, FTPS gradually reflected in fund management, performance appraisal, the Bank co-ordinate operations, and other areas. The role of this system in the domestic banking sector more aware of the line began to explore the development of a suitable system model.At present, the domestic fund management research papers a lot, but few of the FTPS for systematic introduction and analysis. Most scholars only through the experience of foreign banks to do the basic tenets of this system and the note did not explain specific banking and related domestic cases, the lack of actual data support. In this paper, Changchun Branch of Minsheng Bank FTPS as an entry point, through the Minsheng Bank’s internal funds transfer pricing system is to introduce the system in-depth study of the principles of the model to explore the limits of their capabilities and system explanations. Through this paper, FTPS, or yet to be established for the exploration of this system, banks also provide some theoretical basis and practical experience.The main content of this article is divided into four chapters:Introduction and first chapter includes a basic introduction to the system. Basic introduction to Changchun Branch of Minsheng Bank mentioned in the current situation of running FTPS.The second chapter describes the function and practical use FTPS. Explains how the system is in administration, performance evaluation and coordination of the Bank to play a role in development strategies. Chapter III is specific to the construction principle FTPS and data model. The focus of this chapter as a full detailed description of the principles and principles of construction FTPS, and then how to build on this basis FTPS describes the general method and the livelihood of the domestic banking approach.Chapter IV construct commercial banks as at the end of FTPS may encounter some difficulties, is based on the experience in the Minsheng Bank introduces to deal with these problems.The main feature of this chapter are to the Minsheng Bank and the theoretical basis for the main case, all data within the practice by the Minsheng Bank, has been confirmed, with some convincing and useful.更多还原