Weihai City Postal Savings Bank Profitability Factor Analysis

The development of commercial banks is directly influenced by the size of its profitability, and good profitability is the key to the construction of the core competitiveness of commercial banks. However, the overall downturn in the economy and the acceleration of the development of interest rate marketization, Internet banking has brought the adverse effects of the financial disintermediation and other factors increase, the number of commercial banks increase and increase the extent of the brutality of market competition, financial supervision is becoming more and more strict, the postal savings bank in Weihai, in the face of the superposition of many unfavorable factors to continue to obtain robust profits very difficult. Therefore, the analysis of Weihai postal savings bank profit status, from found factors that are not conducive to the profitability of the construction, the breakthough take accurate measures to improve profitability, of Weihai postal savings bank to tap their own potential to obtain greater benefit has a certain practical significance.According to the financial data of Weihai City postal savings bank 2005-2014, select the ROA, roe and EPS index analysis of Weihai postal savings bank profitability. This paper first introduces the research background, significance and research methods, and other basic content. Subsequently, the domestic and foreign research on the profitability of commercial banks to introduce, and the combination of commercial banks to define the profitability of its influencing factors. Again, the Weihai postal savings bank profitability of the status quo analysis, pointed out the existence of the problem of profitability. ROA, ROE, EPS and other profitability indicators were analyzed by 2005-2014. Finally, according to above the Weihai City postal savings bank profitability improvement strategies are put forward, mainly from the promotion of Weihai postal savings bank profitability measures and external environment support two aspects puts forward some countermeasures and suggestions. It is expected that this study can provide suggestions and references for the construction of the Weihai postal savings bank and other commercial banks’ profitability.