Research On Profit Structure Optimization Of Listed Commercial Banks In China

Commercial banks have played an important role in a country's financial system. As the interest rates market-oriented reformation, competition and the rapid development of China's financial markets, the business environment of commercial banks has changed quietly. Some advanced commercial banks continue to reform the mode of operation, the main source of interest income has shrank every year. Operating income rather than interest income accounted for the proportion of banks is gradually increasing. And most banks in China is highly dependent on interest income, resulting simplification and unbalanced income structure, and therefore, in order to seek new profit growth point and enhance market competitiveness and sustainable development capacity, commercial banks must speed up the innovation of financial products, to developing non-interest income business and profit structure of interest income and non-interest income balanced development transformation.The innovation of this paper is take the net interest income as the dependent variable model constructed panel, due to two factors analyzed the listed commercial bank's profit optimization model was added to reflect monetary policy factors statutory reserve ratio from inside and outside, etc. Based on differences in commercial banks commercial banks will be divided into three categories, namely empirical analysis, which will help commercial banks to increase revenue and profit structure optimization to make the right decisions. Bank profits structural factors including internal and external factors, macroeconomic factors and monetary policy factors internal factors in scale, capital strength, balance sheets, which contain banks, external factors contained, such as GDP growth, inflation and statutory the deposit reserve ratio, etc. Based on the analysis of the status at home and abroad theory and research, select three types of commercial banks 2008-2015 years of financial data as the sample data.Taking all factors, combined with the commercial bank's balance sheet and income statement, through the analysis of key factors influencing the profits of commercial banks, and proposed to optimize interest income business, expand non-interest income business, control costs improve commercial banks internal control mechanism,follow the trend of investment structure adjustment, and actively promote the structural adjustment credit interest rate market process and supporting regulatory and other policy recommendations.