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论文编号：	4859
作者编号：	2120102433
上传时间：	2012/12/12 22:23:29
中文题目：	SH银行内部资金转移定价研究
英文题目：	The Study of SH Bank Internal Funds Transfer Pricing
指导老师：	李莉
中文关键字：	内部资金转移定价，定价方法，收益率曲线
英文关键字：	Internal Funds Transfer Pricing, Method Of Determining The Price, Yield Curve
中文摘要：	我国商业银行近年来通过治理结构的完善、引入了国外先进的管理理念，将通过精细化管理，提升管理水平作为了经营发展的头等大事，而资产负债管理则是体现一家银行经营管理水平的重要参考。资产负债管理中最重要的一个方面，就是内部资金转移定价。 本文以SH银行为背景，通过对SH银行的内部资金转移定价现状的分析，找到适合SH银行的内部资金转移定价模式，确定内部资金转移定价的方法、依据以及内部管理组织架构，并对内部资金转移定价的实施效果进行了分析。本文一共分为六章。第一章是绪论，对内部资金转移定价研究背景和意义进行了说明。然后简要介绍了本文的研究方法和内容。第二章是相关理论回顾，简要介绍了本文所涉及的相关概念和理论。介绍了内部资金转移定价的概念及其在现代商业银行管理中的作用。最后对于内部资金转移定价模式以及定价的依据和方法进行了简要介绍。第三章是对SH银行内部资金转移定价的现状分析。首先介绍了SH银行的基本概况，然后对SH银行内部资金转移定价的现状进行了介绍了，最后简要分析了SH银行内部资金转移定价所存在的问题。第四章是SH银行内部资金转移定价模式的构建方案。首先介绍了SH银行实行内部资金转移定价模式的必要性。然后陈述了对于SH银行内部资金转移定价模式的构想，包括内部资金转移定价的范围和定价方法。最后介绍了实行内部资金转移定价的组织形式。第五章是SH银行实施内部资金转移定价的效果和建议。首先，利用案例说明了实施内部资金转移定价前后对于分行利润的影响，展示了内部资金转移定价的应用效果。然后，根据上述的应用效果分析出，实施内部资金转移定价对于总行、分行的影响。最后简要说明了在实行内部资金转移定价过程中需要注意的几个问题。第六章是对全文进行一个总结。 本篇论文较为全面的分析和探讨了SH银行内部资金转移定价的现状和解决方案。文章中通过典型案例列举了实施内部资金转移定价后的效果，但对于如何合理制定内部资金转移收益率曲线，以及如果根据确定的收益率曲线和经营管理策略进行更加合理的调整，还有待更深层次的研究。
英文摘要：	Commercial banks in China in recent years through the improvement of the governance structure, the introduction of foreign advanced management concepts, through meticulous management, improve the management level as the top priority of the operation and development of asset and liability management reflect the management level of a bank's important reference. One of the most important aspects of the asset and liability management internal funds transfer pricing. SH Bank as the background, through the analysis of the SH bank's internal funds transfer pricing status quo, to find the internal funds transfer pricing model for the SH banks to determine the internal funds transfer pricing method, based on internal management organizational structure and internal funds implementation effect of transfer pricing analysis. This article is divided into a total of six chapters. The first chapter is an introduction, a description of the research background and significance of the internal funds transfer pricing. Then briefly describes the method and content of this research. The second chapter is related theoretical review, briefly describes the concepts and theories involved. Internal funds transfer pricing concept and its role in modern commercial bank management. Finally, a brief introduction to the basis and method of the internal funds transfer pricing model. The third chapter is the analysis of the status quo of the SH bank's internal funds transfer pricing. First introduced the basic overview of the SH banks, then introduced to the status quo of the SH bank's internal funds transfer pricing, and finally a brief analysis of the SH bank's internal funds transfer pricing problem. The fourth chapter is the SH banks internal funds transfer pricing model build. First the SH banks under the necessity of internal funds transfer pricing model. Then stated the idea for the SH banks internal funds transfer pricing model, including the scope of the internal funds transfer pricing and pricing methods. Finally, the implementation of the organizational is form of the internal funds transfer pricing. The fifth chapter is the SH banks implement internal funds transfer pricing results and recommendations. First, the use of case before and after the implementation of the internal funds transfer pricing for the impact of branch profits, application results show the internal funds transfer pricing. Then, according to the application effect analysis, the impact of the implementation of the internal funds transfer pricing for the head office branches. Finally, a brief description need to pay attention to several issues in the implementation of the internal funds transfer pricing process. The sixth chapter is a summary of the full text. In this thesis, a more comprehensive analysis of the status quo of the SH bank's internal funds transfer pricing and solutions. Typical case in the article cited the effect of the implementation of the internal funds transfer pricing, and how to develop a reasonable internal funds transfer yield curve, as well as determine the yield curve and management strategies for a more reasonable adjustment, remains to be deeper research.
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