An Research On Profitability Of The Listed Commercial Banks

In the last few years, as a new force of Chinese banking industry, The listed commercial banks have become a team which one of the most important and the most active teams in the Chinese banking industry, and it will be representing the future development direction of our country Commercial bank. The timing of all listed commercial bank is different, but their developing speed, economic benefits and contribution respect to our economy have been favorably noticed by all circles all the time. However, our financial industry has opened comprehensively by the end of2006, and our listed commercial banks have to face up impact from the foreign banks on the basic of the asset size、the profit level and so on, so the listed commercial banks have to face up the status by itself as soon as possible, taking the measure to promote own profit ability positively.The paper take the commercial bank profitability and the competitive power theory as a foundation, elaborating the general theory and the influencing factor, the choice of indicators about the listed commercial banks. And then I analyse the basic situation of all listed commercial banks, selecting the11listed commercial banks after rejecting the city commercial bank as a research object of this article, and study their situation of the profit, and compare the listed commercial banks with the non-listed commercial banks by some financial index. The third, taking the1999-2008years as the time sector, I collect some the financial data of the banks, and choice the return on assets as the be depended variable, taking the banking indicators and the control variables including the external variables as the dependent variable, then give the empirical analysis of the listed commercial banks using descriptive statistical methods and panel data model.In the empirical analysis process, the first, we first give a descriptive statistical analysis about the various variables of the listed commercial banks. The second, Then we conduct factor analysis method to the listed commercial banks and the non-listed commercial banks by using statistical software SPSS16.0, and we get a comprehensive ranking, then compare their profitability. We conduct panel data model analysis to the listed commercial banks by using Eviews5.1, and make a detailed explaination to the results. The return result showed:1. In the11listed commercial banks, three listed state-owned commercial banks is larger than the joint stock commercial bank in the in the capital asset scale, and they are in the absolute dominant position.2. The capital adequacy ratio and deposit and the lending rates affect the profitability of the listed commercial banks as an important factor.3. The bank ownership structure is not the key factors of them profitability.Finally, the paper gives out some suggestions about further improve the profitability of the listed commercial banks in our nation basing on the results of analysis.