商业银行内部资金转移定价与贷款基础利率的关系研究——基于利率市场化语境  

A Study on the Relationship between Internal Fund Transfer Pricing and Loan Base Interest Rate of Commercial Banks——Based on the Context of Interest Rate Marketization

作　　者：翟莉 ZHAI Li(Shanghai Caohejing New Technology Development Zone Development Corporation,Shanghai,200235 China)

机构地区：[1]上海市漕河泾新兴技术开发区发展总公司,上海200233

出　　处：《科技资讯》2021年第2期97-99,共3页Science & Technology Information

摘　　要：在推动利率市场化的进程中,可想而知,商业银行将会有更大的冲击和挑战出现在其经营方面,那么,商业银行需要整合自己的经营特征,持续拔高自身创新技能,进而实现效益水准的不断优化。不容小觑的LPR与FTP的研究具有一定的理论意义与实践价值。鉴于此,该文使用文献资料法、逻辑分析法与实地参与式观察法,整合笔者多年的工作经历,解析了商业银行LPR与FTP是什么内涵、具有什么价值,分析了两者的联系与区别,以期有利于推进商业银行对LPR与FTP的使用,LPR的全面推行,有益于对FTP定价的传导影响。In the process of promoting interest rate marketization,it can be imagined that commercial banks will have more impact and challenges in their operation.Then,commercial banks need to integrate their own business characteristics,continuously improve their innovation skills and then realize the continuous optimization of efficiency level.The research on LPR and FTP that can not be underestimated has certain theoretical significance and practical value.In view of this,this paper uses the methods of literature,logical analysis and on-the-spot participatory observation,integrates the author's work experience for many years,analyzes the connotation and value of LPR and FTP in commercial banks,and analyzes the relationship and difference between the two so as to promote the use of LPR and FTP in commercial banks.And the full implementation of LPR is beneficial to the conduction effect on FTP pricing.

关 键 词：LPR FTP 商业银行 利率市场化 基础利率 

分 类 号：F830[经济管理—金融学]