Research On The Competitiveness Of Postal Savings Bank Of China

As the pace of global economic integration is speeding up, financial status in a modern economy is increasingly important. How to improve competitiveness in the fierce competition in order to adapt to the changing financial environment, meet new challenges are important issues currently for China’s banking. Major state-owned banks and joint-stock banks have accelerated the pace of reform, innovation, and constantly improve the internal control and risk management. Objective analysis and evaluation of the competitiveness of China’s commercial banks and put forward to enhance the competitiveness of China’s commercial banks in order to achieve sustainable development of commercial banks has very important theoretical and practical significance.As an important part of the banking sector, Postal Savings Bank of China was established in 2007, after the commercial reform and transformation, Postal Savings Bank of China develop rapid development, ranking front of the banking sector in the country. Postal Savings Bank of China has made important contributions to inclusive finance, service rural and community, support for regional and small and middle enterprise development. However, compared with large state-owned commercial banks, there are still large gaps.In this paper, Postal Savings Bank of China as a research object, trying to design Postal Savings Bank of China Competitiveness Evaluation System. First, the guide theory was the competitiveness of enterprises based on capacity, to build commercial bank dominant competitiveness and recessive competitiveness mode. Secondly,conduct a comprehensive analysis on status, operating status and competitive environment of Postal Savings Bank of China, supplemented SWOT analysis framework, conclude that Postal Savings Bank of China has sufficient funds, low non-performing loans, rich outlets, but in the management and business existed defects. Again, from the qualitative and quantitative point of view to build Postal Savings Bank of China Competitiveness Evaluation System. Then, using comparative analysis with the four state-owned commercial banks to compared, From the dominant competitiveness analyze, the Postal Savings Bank has ample liquidity, asset security is high, but relatively insufficient profitability, the arrangement is not enough,scientific resources is not science; From the recessive competitiveness found deficiencies exist in the governance structure of the Postal Savings Bank. Finally,according to the relevant theory and research results, we presented suggestions: Postal Savings Bank of China can reasonable optimize the loan structure to achieve efficient use of resources; strengthening financial product innovation, enhance product and information technologies; introduce strategic investors, improve board structure;sufficient to cover the business, develop intermediate business and other aspects of corporate governance to improve their competitiveness, achieve Postal Savings Bank of China sustainable development.