| This essay elects one joint-stock commercial bank-- China Min Sheng Banking Corp.,Ltd.as the object of the study. By studying its financial statements, I analyze the performance of its profit capacity by using six indexes: return on assets, return on equity, net interest spread,farebox recovery ratio, increase rate of main business revenue, profit margin and find out the profit capacity has not been seriously challenged by the interest rate marketization. And this essay analyzes the measures China Min Sheng Banking Corp.,Ltd. take in the process of the interest rate marketization-- transfering its capacity model. And it studies the capacity model of Minsheng Bank under interest rate marketization by analyzing its revenue structure,deposit structure, loan structure. And we also find out that the interest rate marketization influence the capacity model of Minsheng Bank in three aspects: business direction, operating income, The independent pricing ability. By doing this, I hope to give my advice for banks in our country when they faced the interest rate marketization. |
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