内部资金转移定价、经济资本管理与价值管理

Internal Fund Transfer Pricing,Economic Capital Management and Value Management

在市场经济背景下,各行各业面临着前所未有的挑战与冲击,商业银行亦如此。相较于以往,商业银行的运营风险、运营压力及资本需求越来越大,在这样的情况下,商业银行要想更好地实现规模的扩张,就需要从价值管理、内部资金转移定价和经济资本管理三个方面入手,推动银行的长远发展。本文针对商业银行内部资金转移定价、经济资本管理与价值管理展开分析和研究,讨论了相关的概念,分析了这三者之间的关系,并且分析目前存在的问题,提出相应的解决策略,以期为银行运营提供借鉴与参考,实现银行可持续发展的目标。

Under the background of market economy,all walks of life are facing unprecedented challenges and impacts,so are commercial banks.Compared with the past,commercial banks face more and more operational risks,operating pressures and capital demands.In such circumstances,if commercial banks want to better achieve the expansion of scale,they need to start from three aspects of value management,internal fund transfer pricing and economic capital management to promote their long-term development.This paper analyzes and studies the internal fund transfer pricing,economic capital management and value management of commercial banks,discusses the relevant concepts,analyzes the relationship between the three,and analyzes the existing problems,and puts forward the corresponding solutions,which is expected to provide reference for the operation of banks to achieve the goal of sustainable development of banks.