Research On The Influncing Factors Of The Profitability Of Listed Commercial Bank In China

2015 is China’s large financial year, monetary policy continues to drain, a road of capital output, interest rate marketization in place, access, private bank deposit, insurance landing, trillion local debt replacement programme, mixed operation to open up......In the face of financial reform, the most typical and most important financial institutions, to maintain a sustained and stable development in the background of financial reform, development has to pay attention to its profitability.So the purpose of this study is to put forward the feasibility of financial environment policy through the analysis of influence of the profitability of commercial banks, putting forward the feasibility of financial environment policy, which is not only conducive to commercial banks to find out the reasons that restrict the development of the analysis of profitability, the industry’s advantages and disadvantages then work out the corresponding countermeasure and plan, simultaneously also has the theory significance for comprehensive evaluation of supplementary commercial bank system.In the research content, this paper analyzes the impact of the profitability of commercial banks of index factors mainly from current situation and demonstration. First of all, through descriptive statistics on our current commercial bank profitability status, we can see that our current country commercial banks present the yield level increasing steadily, the amount of net profit continues to grow, expanding the scale of good trend. Secondly, theoretical analysis from two aspects of internal and external impact on the profitability of commercial banks, the internal factors, mainly through the eight financial indicators: equity capital / total assets / total assets, interest income, interest expense / total assets, other income / total assets, management expense / total assets, loan loss provision / total assets, cash assets / total assets, total assets are reflected in the bank’s capital adequacy, deposit and loan business ability, intermediate business ability, operating efficiency, asset quality, liquidity, assets and bank profitability relationship to external factors, using typical indicators of GDP shows the influence of the external macro environment of bank profitability. Thirdly, regression analysis was carried out using state software on the basis of theoretical analysis. Regression analysis showed that the capital adequacy ratio, intermediate business ability, operating efficiency, asset quality and the macro economic environment has a significant effect on profitability. Finally, the paper put forward some suggestions through the results of the regression based on the analysis from the control of bank size, improving the quality of assets, the development of intermediate business, controlling the four cost is proposed to improve the profit ability of Commercial Bank.