Research On Influencing Factors Of Profitability Of Listed Commercial Banks In China

Commercial banks are the main body of the financial system,which play a vital role in the stability of the whole financial system and the development of national economy.The commercial bank realizes the accommodation of funds by regulating the supply and demand,increases the social investment,adjusts the economic structure,and promotes the effective distribution of social resources.Commercial banks fully play an positive role in the economic development.Commercial banks as a comprehensive sector of the national economy,play the role of organizer and undertaker in social credit activities.Therefore,we should enhance social and economic benefits as the task.Improving the profitability of the bank will help to improve the social and economic benefits,and also enhance the competitiveness of the banks themselves.Under the background of financial disintermediation and interest rate marketization,the traditional profit model and management model of the banking industry is being challenged,Commercial banks must raise the level of profitability and management to cope with the challenges.With the further deepening of opening to the outside world,the commercial bank faces more fierce competition.Commercial banks must continue to improve the level of profitability to cope with fierce competition and challenges.By studying the factors of the profitability of listed commercial banks in China,Commercial banks can help to choose reasonable strategies to meet the challenges and opportunities,improve the level of management,enhance the international competition strength,at the same time,it is important to the soundness of the banking industry and sustainable development.This paper takes the profitability of listed commercial banks and related factors as the research object,through literature review and research,on the basis of theoretical analysis,This paper builds a panel model based on the latest material of 16 listed commercial banks in 2007-2016 years to make an empirical analysis.Firstly,this paper introduces the related concepts and theories of bank's profitability,and analyzes the current situation and existing problems of the profitability of listed commercial banks.Secondly,this paper analyzes the factors of the bank profitability from the perspective of macro and micro.and this paper joined the factors of Internet financial,analysis of the Internet financial impact on the profitability of banks,which will help to promote banking reform and innovation and expand the growth point of bank's profit,improve the level of the profitability.Through empirical study,asset size,asset quality,capital adequacy ratio of commercial banks,net interest margin,deposit-loan ratio,Internet financial scale,such as gross domestic product(GDP)are significant impact on the profitability of commercial banks,consumer price index and the proportion of non interest income of the two factors are not significant effects.Finally,some Suggestions are put forward to improve the profitability level of the bank.Listed commercial banks can improve their profitability from the following aspects,such as,improving asset quality,maintaining appropriate expansion scale and considering operational efficiency,optimizing income structure and deposit and loan structure,and learning the innovative idea of Internet finance.By studying the influencing factors of the profitability of commercial banks,this paper provides suggestions for the development of China's commercial banks,providing theoretical support for our commercial banks to improve their profitability and providing references for enhancing the competitiveness of commercial banks.