China's Listed Commercial Banks Profitability Analysis Of The Influence Factor

In general,the commercial Banks are in the leading position in the financial system in the vast majority of countries and regions.Commercial Banks act as indirect financing intermediary in the field of microfinance.The commercial banks play a role in credit creation function into full play in the field of macro economy,Commercial bank is a growing industry,it has something to do with the development of the national economy.The commercial bank is a kind of profitability of financial institutions.Whether it can operate well is directly related to the development of other industries of national economy,in other words,the profit ability maintain the survival and development of banks.In recent years,the economic development of the demand for money started to be diversification,customer demand for financial services started to be highly hierarchical.Technical innovation and the competition between Banks,and the profit mechanism within Banks,make the content of commercial Banks,field and mode change.In order to increase the profitability of commercial Banks,commercial Banks began to adopt a way that listed on the a-share market.At the end of 2015,There are 16 listed commercial Banks in China.to some extent,it brings about the expansion of the scale of capital,but compared with international commercial Banks,there is still a great distance.Therefore,improving the level of profitability,strengthening their comprehensive strength is one of the effective ways of dealing with the macro environment changes,against foreign Banks and other financial institutions.This article selects 2006-2015 semi-annual data of 16 listed commercial Banks as the research object,first of all,qualitative analysis after quantitative analysis to study the profitability of listed commercial Banks.On the research content,this article first define the relevant meaning of commercial bank profitability.Second,the article analyse China's listed commercial Banks profitability from several aspects such as profit,asset scale.At the same time,the article analyse the influence of these factors from the macro and micro aspects,to provide some reference for the following empirical study.Then,the fourth part,based on the research at home and abroad,this paper selected the profitability index.Regression results show that the gross domestic product(GDP),the net interest margin(NIM),the commission fee income proportion(NCIR2)(TA)and the asset-liability ratio,asset scale(CS)has a significant effect on profitability,and the COST income ratio(COST)is not significant.Finally,some advice comes from the reasonable control of assets,expanding middle income proportion,reducing the asset-liability ratio aspects about how to improve the listed commercial Banks profitability.