The Strategy Of Adjusting The Profit Structure After The IPO Of The Poststalal Savings Bank Of China

The Postal Savings Bank of China was formally established in March 2007,listed in Hong Kong on September 28,2016.The Postal Savings Bank of China is the objective demand of deepening the reform of financial system in our country,is also an important part of the postal system reform.The bank was founded as a commercial bank is mainly engaged in small and medium-sized micro absorb public deposits,issue loans,to handle settlement at home and abroad,acceptance and discount,bank cards,etc.Relying on the postal network platform,the bank building of covering the whole country with its own characteristics,especially the urban and rural areas of financial services network.the Postal Savings Bank of China development,the scale expands unceasingly,constantly enrich business types,but its growth of credit business,credit market penetration,all kinds of balance ratio imbalance,intermediate business development lag,the physical network,operating more spending big,per capita profit margins lower management development and management problems gradually exposed.With the Postal Savings Bank of China complete the share reform smoothly and successfully listed,puts forward higher requirements on its profits.Today China's overall economic situation,interest rate marketization,adjust each big commercial bank began transformation,the Postal Savings Bank of China profitability of ascension also appears more urgent.This thesis first reviews the related literature at home and abroad of commercial bank profitability of ascension related analysis and comments,next to the current domestic commercial Banks especially the 16 listed commercial Banks profit overall situation are analyzed.Through using Dupont analysis method,reference 16 listed commercial Banks from 2014 to 2015 earnings data,presented the measure of profitability indicators return on assets is decomposed into interest income,handling fee and commission income,interest expenses,operating expenses and the proportion of total assets of the average,from two aspects of income and expenditure,the comprehensive analysis of the profitability of listed commercial Banks,the key is to find out in the field of the different income,the highlight unique of listed Banks.After analyzing revenue expenditure,this thesis again with non-operational factors of the profit as the goal,that is likely to affect the listed commercial Banks profit continuity capital adequacy ratio and non-performing loan ratio,provision coverage,such asfactor analysis,to find the factors listed in the continuity between commercial Banks and the gap between advantages and disadvantages,through comparing the reference,the excellent practice explore advanced Banks.Then to the Postal Savings Bank of China current management present situation and the existing constraints,especially in-depth analysis the management board,combined with the listed commercial Banks profitability analysis in the window,after the IPO of the postal savings bank of China choose on the strategic selection,comprehensive management,business capability improvement of profitability improvement,put forward the proposal.