Study On The Factors Affecting The Profitability Of Chinese Listed Commercial Banks

In recent years, with the continuous development of China’s commercial Banks, profitability in every bank, more and more plays a significant value. If a bank has a better profitability, so for bank after the operation, have the good material base. In addition, good profitability can be fully to the protection of the rights of commercial Banks’ shareholders. Listed commercial Banks in China, however, there are many unsatisfactory place. For example, commercial Banks generally have high rate of bad debts, new service mode is not enough, and financial products do not meet the requirements of customers, low customer satisfaction problem. It is because of these problems, the impact of an increase of the profit level. In addition, the world’s financial system has experienced a constant exchange and the fusion, commercial Banks also unceasingly in the process of learning from each other, complement each other, but at the same time, more of a challenge before the various commercial Banks, and also its profitability is also restricted by the industry competition. So, the profitability of commercial Banks have high low, and affected by many factors. Research of this paper can make the commercial Banks can quickly find the factors that affect its profit level, so as to suit the remedy to the case. From this study in our country has been listed in the 16 commercial Banks from 2009 to 2014, six years of relevant data, combine internal and external Banks to explore the related factors influencing the listed commercial Banks profitability, using the method of multiple linear regression analysis for the empirical analysis, draw relevant conclusions, and finally gives some Suggestions. The results indicate that profitability of listed commercial Banks in China’s overall situation is good, profit level has been improved. Capital adequacy, operational efficiency and time factor of the profit level of listed commercial Banks in China have a significant impact, and asset scale, income structure, liquidity is not currently listed commercial Banks are the main factors causing the profitability.