【作者】 宋艳；

【导师】 马向阳；

【作者基本信息】 天津大学 ， 工商管理硕士（专业学位）， 2017， 硕士

【摘要】 中国邮政储蓄银行成立于2007年3月,2016年9月在港上市。邮储银行的组建和成立是我国金融体制改革深化的客观要求,作为邮政体制改革的内容同样重要。成立至今,邮储银行履行商业银行职能,承担着吸收公众存款、发放中小微贷款、办理结算业务、票据承兑和银行卡等业务职能。依托邮政网络平台,形成了具有自身特色的覆盖全国特别是城乡区域的金融服务网络。邮储银行不断发展,规模不断扩大,业务种类不断丰富,但其公司信贷业务增长乏力、信贷市场占有率低、各类存款余额占比不均衡、中间业务发展滞后、物理网点多、营业支出大、人均利润率较低等经营发展和管理问题逐渐暴露出来。随着邮储银行顺利完成股改并成功上市,对其盈利提出了更高要求。而当前中国整体经济形势下行,利率市场化不断深入,各大商业银行纷纷开始转型调整,邮储银行的盈利能力提升也显得更为迫切。本文从回顾国内外相关文献对商业银行提升盈利能力的有关研究和评论入手,对当前国内银行业特别是上市的16家商业银行总体盈利情况开展分析。通过借鉴杜邦分析法,引用16家上市商业银行2014至2015年的盈利数据,将衡量盈利能力最终指标资产收益率分解为利息收入、非利息收入特别是手续费及佣金收入、利息支出、营业支出与总资产的平均比重,从收入和支出两大方面,综合分析上市商业银行的盈利能力,重点发掘不同收入领域中,上市银行的独特亮点。在分析收入与支出后,又继续将非经营性因素作为分析目标,对可能影响盈利能力水平的资本充足率、不良贷款率、拨备覆盖率等内容进行分析,寻找各上市商业银行在这些因素之间的差距和优劣势,通过比较借鉴,发掘先进银行的优秀做法。随后对邮储银行当前经营现状及存在的制约因素,特别是经营短板进行深入解析,结合前述上市商业银行盈利能力分析中的亮点,从邮储银行上市后的战略选择、综合化经营、业务能力提升等方面入手,对邮储银行盈利能力提升给出建议。更多还原

【Abstract】 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.更多还原