FTP, commonly known as internal fund transfer price \x0d\ is an internal management mode in which internal fund centers and business units of commercial banks allocate funds in full according to certain rules to achieve the purpose of accounting the cost or income of business funds. Foreign countries call it the fund transfer pricing system, or FTP for short. \x0d\\x0d\ Under the management mode of FTP system, the fund center is responsible for managing the working capital of the whole bank, and each business unit needs to transfer the full amount of funds through FTP price and fund center to handle a business (involving funds). Specifically, the funds raised by each debt business of the business unit are fully transferred to the fund center at the FTP price of the business; The funds needed for each asset business are purchased in full from the fund management department at the FTP price of the business. For asset business, FTP price represents its capital cost, and business units need to pay FTP interest; For the debt business, FTP represents its capital income, and the business unit obtains FTP interest income from it. \x0d\ For example, a branch made a time deposit with a term of 1 year, a fixed interest rate of 1.5% and an amount of100000 yuan. If the FTP price of the deposit is 2%, the business unit will get 200,000 yuan of FTP interest from the fund center, minus 654.38+ 0.5 million yuan of interest paid to customers, and the net income of deposit interest will be 50,000 yuan. \x0d\ Another example is that a branch issues a loan with a term of 2 years and a fixed interest rate of 6%, with an amount of100000 yuan. If the FTP price of the loan is 3%, the business unit will pay the FTP interest of 300,000 yuan to the fund center every year, plus the loan interest of 600,000 yuan charged by the business unit to the customer, the annual net interest income of the loan will be 300,000 yuan, and the two-year net interest income will be 600,000 yuan.