The Profitability Of Chinese Listed Commercial Banks Influencing Factors Analysis

In recent years,with the deepening of economic globalization,the continuous development of securitization,the acceleration of interest rate marketization,the deepening of financial supervision,and the promotion of information technology and financial innovation,the Chinese economy has entered a new normal development and the macroeconomic growth has slowed down.China's commercial banks are facing tremendous opportunities for development,but at the same time,commercial banks are also experiencing more and more challenges and pressures.Financial disintermediation is becoming more and more common and more and more normal.With the continuous improvement of the financial market,direct financing channels have become more and more mature.The bank's most traditional business deposit and loan business has also been severely impacted.In the process of gradual implementation of interest rate liberalization in China,market competition has become increasingly fierce.It is particularly important to fully improve one's own strength.What China's commercial banks are now doing is to provide high profitability.This article takes the data of China's 16 listed commercial banks from 2010 to 2016 as a sample,uses stata13.0 for experimental operations,and based on the panel data model,empirically analyzes the factors that influence the profitability of Chinese commercial banks.Analysing the macro factors,the final empirical results of this paper show that: GDP growth rate,inflation rate,loan-to-deposit ratio and non-interest income share are positively related to profitability;asset size,non-performing loan ratio,cost-to-income ratio,capital The adequacy ratio is negatively correlated.The empirical conclusion: For the bank's own factors,the appropriate control of asset size will help improve the profitability of listed commercial banks;a modest reduction in commercial banks' non-performing loans,cost-to-income ratio,and will greatly improve the profitability of commercial banks.For external factors,GDP growth rate and inflation rate are significantly related to the profitability of China's commercial banks.Finally,several suggestions are made to improve the profitability of listed commercial banks in China.