The Research On Postal Savings Bank Of China Growth Evaluation And Countermeasures

The sustained and rapid development of Chinese economy creates enough condition for the comprehensive development of bank business.Recently,as the development of market economy and the opening of Chinese financial market,foreign banks are scrambling into Chinese market.Meanwihile the domestic joint-equity commercial banks have obtained vigiorous development,and the market size of Chinese bank industry expands quickly.As an important part of Chinese bank industry,PSBC has become an important force of Chinese financial field and makes great contributions to the national economic construction and serving urban and rural residents.The scale of PSBC expands constantly after years of development.Now PSBC has become one of the top biggest commercial banks.However,the growing process of PSBC still has some problems because of intensifying competition from foreign banks and all kinds of new type of financial institutions and the particularity of establishing of PSBC.PSBC has to explore new development ideas to strengthen itself and serve for the society.So the growth evaluation countermeasure research on PSBC has great theoretical and practical significance.The thesis includes the followings:The first part is the growth analysis of PSBC.Firstly,the thesis introduces the connotation of growth of PSBC.Secondly,it analyzes the measuring standard,performance and characteristics of the growth of PSBC.At last,the thesis presents the current situation of PSBC from market situation,management situation,human resource and financial position on the basis of reliable data.The second part is the growth impetus research of PSBC.Firstly,the thesis analyzes the internal factors and external factors of the growth of commercial banks,and then analyzes the growth impetus of PSBC from internal motivation,external competition and environment supporting.The analysis above lays good theoretical foundation for the research below.Secondly,it constructs the index system of the growth impetus of PSBC.At last,the thesis collects data through questionnaire survey and tests the theory hypothesis by structural equation model.The third part is the growth evaluation research of PSBC.Firstly,the thesis introduce the construction principle of growth index system based on the theoretical analysis.Secondly,it constructs the growth index system of PSBC from growth strength,growth potential and environment supportiveness according to the principle above.Thirdly,it introduces the methods to evaluate the growth of PSBC from several aspects and decides to choose the catastrophe progression method to analyze its growth.According to the empirical results,the thesis points out the existing problems of the growth process of PSBC.The fourth part is the growth strategy research of PSBC.Firstly,the thesis introduces the analytic procedure of innovation SWOT method on the basis of theoretical analysis.Secondly,sorting data and constructing the innovative matrices of enterprise advantage,industrial advantage and competitors and customer demand.Thirdly,the thesis summarizes the matrix above and gets the innovation matrix of PSBC,and then uses the innovation matrix of PSBC to analyze the advantage,disadvantage,chance and threats of PSBC.Fourthly,the thesis presents the growth practice of China Merchants Bank,Shanghai Pudong Development Bank and China Guangfa Bank and summarizes the enlightenment to PSBC.At last the thesis puts forward strategies to improve the growth level from growth strength,growth potential and environment supportiveness.