RMB FTP refers to the internal pricing in which the capital operation centers and business departments of commercial banks in China transfer funds in full and with compensation according to certain rules, so as to achieve the purpose of accounting the cost or income of business funds. This is the income of bank responsibility and the cost of bank assets. Its purpose is to calculate the benefits brought by responsibility and the costs brought by assets. The difference between FTP and responsible real interest rate is income and cost, so FTP has a great relationship with market interest rate to a great extent. The market rate of return of RMB FTP is the rate of return obtained by banks according to market changes during FTP management.