Study On The Profitability And Influencing Factors Of Chinese Commercial Banks

Commercial banks are the basis of the national economic system, their operations are directly related to the national economy and the development of other industries.Nowdays,there are five thousand commercial banks in our country, include Large state-owned commercial banks, national joint-stock commercial banks, city commercial banks, rural commercial banks, rural credit cooperatives, rural cooperative banks and so on. However,70%market share are owned by only16Listed Commercial Banks,so Listed commercial banks can be the representative of the whole operation conditions of Chinese banks. Since the financial crisis broke out in2008, a large of foreign banks are closed down, there is little impact on our commercial banks due to the low degree of internationalization. But the ensuing financial regulatory reform made a profound effect on our financial industry, especially the commercial banks. Recent years, our commercial banks’profitability maintains a very high growth, which largely exceeds the other countries. These high growth rates are not formal,we must pay attention to it.Due to the data of listed commercial banks are more open and easier accessible, we take the listed commercial banks as our study objects. At first, we defined the connotation of the profitability of the commercial banks, analyzed the influencing factors and the measurement methods of the profitability.Then,we took the listed cmmercial banks as the measurement method objects,summerized the profit-making conditons of the listed commercial banks, and build the index system based on the influencing factors. At last, we use the data of2011and2007make empirical analysis by SPSS software.The conclusion shows that the infuencing factors of the listed commercial banks changes a lot during the five years:in the2007,the main influencing factors are traditional credit business,but in2011it changes to risk resistance capacity and asset quality factors.after a deep analysis,we found the reason is financial crisis in2008made our banks realized that asset quality and risk resistance capacity play a very important role in the financial industry,and the traditional cdredit business can not meet the sustained and healthy development of commercial banks.At the end of thesis,we make some suggestions to enhance the profitabily of Chinese commercial banks.