Not from the financial management department, try to answer. First of all, there is an error in the title description. If the account manager of the branch absorbs a deposit, the external quotation is 4%, and the price of the deposit in the treasurer of the head office is 3%, then the actual loss of the deposit during the assessment calculation is 1%. However, it will happen in actual business. Although it lost its deposit, it won a certain loan amount, increased its market share and achieved the deposit target. Branches will comprehensively consider the advantages and disadvantages when operating their business. Back to the question, if a bank adopts the full FTP pricing management mode, then each fund will make corresponding quotations according to currency, term and difference. In fact, not only the deposit and loan of funds have corresponding prices, but also the use of fixed assets has prices. As you said, the financial market department or the peer department needs 500 million yuan to get a project. In the final analysis, you still have to borrow money from the shopkeeper to use it. Branches and departments do not have their own capital investment, unless they take business expenses (which is impossible), and it is impossible to directly use the absorbed interbank funds for another project, bypassing the shopkeeper. Although this is a business operated by the same department, profits should be calculated separately. FTP pricing management not only undertakes the function of fund deposit and loan, but also enables the treasurer to guide the business development through fund pricing and transfer the interest rate risk to the treasurer of the Head Office. In addition, as far as the unit where I work is concerned, "bank self-investment" actually does not exist, and it is all assigned to specific business lines, such as peers and cash pools. They are also business departments, just like the retail department of the company department, and they also abide by the principle of ftp pricing when calculating the assessment profit. On the surface, the same trading department first absorbed funds when making orders, and then used this money to invest in a product. In fact, the assessment profits of these two businesses are calculated separately, and they are all income after ftp (the same as the assessment profits of deposits and loans). It's just that the general head office will set an upper limit on the asset-liability ratio of the business department, so to increase assets, we must first expand the scale of liabilities, which looks like finding money first and then throwing it out.