Analysis On The Influence Of Market-based Reform Of Interest Rates On The Profitability Of Postal Savings Bank

This article studies the impact of market-based reform of interest rates on the profitability of Postal Savings Bank. By the quantitative analysis, this article draws a conclusion: the market-based reform of interest rates deeply influences the capital sufficiency, deposit and loan scale, interest income, income of intermediate businesses and operation efficiency of Postal Savings Bank. And then, the market-based reform of interest rates deeply influences Postal Savings Bank's profitability. Meanwhile the phenomenon of financial disintermediation becomes more serious. The business ability to upgrade, capability of internal FTP and risk management ability of Postal Savings Bank will all face significant challenges. Meanwhile, the profitability of Postal Savings Bank will face severe challenges.This article direct at the influence of market-based reform of interest rates on the profitability of Postal Savings Bank, put forward the corresponding measure to enhance the profitability of Postal Savings Bank, change the backward management pattern and improve the competitive power of Postal Savings Bank.These corresponding measures include: Learning the advanced experience from foreign, reducing management cost, improving the bargaining power, developing intermediary business, developing innovative business, training consciousness of financial innovation, strengthening the supervision of the risk and introducing and cultivating excellent talents.