澳洲幸运1078码滚雪球技巧规律与公式

资金转移定价

神州信息资金转移定价系统Sm@rtFinFTP产品是神州信息为了针对银行应对利率市场化的挑战,提升内部管理的精细化、差异化, 针对现有FTP系统的使用痛点进行改进而研发的,拥有完整知识产权的产品。引入资金转移定价系统可实现对业务部门分离利率风险(集中到总行管理)、公平绩效考核、优化资源配置、指导产品定价等效果,推动商业银行进一步规范高效的发展。

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给客户带来的价值
产品功能
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给客户带来的价值


资金转移定价是在全额资金管理的基础上为全行资金的内部转移(资金来源和资金运用)进行统一定价,支持期限匹配边际成本模式下的多种定价方法,对每一笔业务进行创利计算和利差分析,以达到为业务部门分离利率风险,公平绩效考核,优化资源配置和引导产品定价的功能。内部资金转移定价是利率市场化推动的直接结果,是商业银行实施精细化管理的必备工具,其重要性不言而喻。

系统提供市场资金利率曲线的自动获取和收益率曲线的多种拟合生成方法,提供完善的定价方法模型及清晰方便的定价界面配置,提供多维度的创利报表和利差分析报表,提供实时的定价服务,并为下游管理类系统提供数据支持(如管理会计、绩效考核、产品定价、全面预算管理等)。系统支持各种特殊、定制化的定价方法,如对活期存款的分层定价,单笔定价、组合定价等特殊定价等。系统提供提前支取损益调整、同业约期存款违约损益调整、特定大额活期存款违约损益调整等。系统为了减少资金定价管理人员的线下计算操作,支持流动性溢价调整、期权溢价调整和政策性调整等利率调整项的计算,并提供自动化计算工具;同时,系统提供AI技术的市场利率波动预测;支持多法人、资金成本的地区差异化调整,以实现资金定价的精细化和差异化管理、减少人工操作。最近,由于人行LPR形成机制改革,要求所有贷款都采用LPR加点的方式进行对客定价,同时要求加入利率自律机制的银行将LPR反映到FTP中,并且配套建设贷款风险定价系统,强化资金内部定价和对客的产品风险定价的联动。

实施过资金转移定价系统的银行应该都清楚,在银行账户数据量巨大(千万级以上)的情况下,跑批速度慢成为银行最头疼的事情。我们具备在高性能数据库上、甚至MPP架构上进行跑批性能提升的经验,以及大数据平台、NewSQL数据库上实施能力。

除了产品实施之外,我们还具备资金转移定价的(市场和内部)收益率曲线的选取设置、不同业务口径的定价方法选择、关联的定价曲线及定价规则、LPR反映到FTP、跑批性能提升等重要的环节的咨询能力。

产品功能


神州信息资金转移定价系统包含基本参数配置,收益率曲线管理(基础曲线、收益率曲线生成、调整项、收益率曲线发布),定价管理(标准定价、特殊定价、价格调整项、损益调整),实时定价测算服务,调整项自动化计量、报表管理(多维度创利报表和利差分析报表、LPR相关报表)、市场利率波动预测(AI模型)。系统还可以提供作为基础的数据集市、FTP预算、EVA/RAROC分析、基于AI技术的客户行为预测功能等。

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