正常情况下监管部门不会关注内部转移存款的定价，但对于银行来说，借钱的成本毫无疑问是与贷款的风险相关联的。
Normally regulators are not concerned with the pricing of internal transfers, but for Banks the cost of borrowing is inextricably tied to the riskiness of the loan.
如果银行的某个部门能从另一个部门以低于市场水平的价格获得资金，那么就意味着其中蕴含的风险并未合理定价。
If one part of a bank is getting money more cheaply from another part of the business than it would from the money markets, the chances are that the risks involved are not being properly priced.
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