Research On The Impact Of The Income Structure Of Listed Commercial Banks On Profitability

With the deepening of financial reform,the increasingly competition in financial markets,the income structure of listed commercial banks is also gradually changing.This change is mainly reflected in the net income structure of interest,non-interest net income structure and the overall change in income structure.From the perspective of financial statements,the proportion of net interest income is slowly declining,while the proportion of non-interest net income is growing,and its contents have also undergone some changes.This part of the income structure changes and the resulting change in the overall structure of income will how to affect the profitability of listed commercial banks,becoming the current banking industry to solve the problem.According to the size and characteristics of listed commercial banks,this paper divides them into state-owned commercial banks and joint-stock commercial banks.Firstly,the paper analyzes the change of Interest net income structure by using the ratio of net income of net interest and net interest on bond investment.,analyzes non-interest net income structure by using the ratio of net income and investment income and loss of commission and commission and analyzes income structure by using the ratio of net income to non-interest net income.Secondly,we use normative analysis and empirical research methods to study the impact of income structure on bank profitability.Finally,according to the results of regression analysis,combined with the characteristics of two types of commercial banks,the paper puts forward the suggestions to enhance the impact of the income structure of listed commercial banks on profitability.The study found that the more concentrated the net income structure of interest,the more can significantly improve the profitability of commercial banks,and that non-interest income structure tends to be more diversified,the more conducive to improving the profitability of commercial banks.The overall change in bank income structure tends to be decentralized.In summary,Listed commercial banks should expand the credit business of small and medium enterprises,improve their loan quality,optimize the net income structure of interest,while vigorously expanding the innovative intermediary business to increase the proportion of non-interest income.