| The situation of commercial Banks is very serious within the slowdown of economic and the transformation of economic development mode.It is important for commercial Banks to maintain a stable profitability in the situation of the high level of non-performing Loans Ratio,the increasing impact of Internet finance on traditional commercial Banks,and changing of business model in the forcing of the Interest rate liberalization.On the basis of reviewing and summarizing the existing research,this paper tries to put forward a set of relatively complete evaluation index system to contrast and analysis the profitability of existing listed commercial Banks.Then,this paper establishes the regression model of the influencing factors of profitability according to the results of profitability evaluation before and propounds countermeasures and suggestions to improve the profitability of commercial Banks.The evaluation index system of profitability established in this paper is divided into value index and growth index,which fully considers the relativity,continuity and risk of profit.First of all,this paper uses hierarchical analysis method to obtain the comprehensive score of commercial Banks based on profitability evaluation index system.The evaluation results show that Chinese city commercial Banks’ profitability is best,and next is state-owned commercial Banks and joint-stock commercial Banks which have little difference.The rural commercial bank’s profitability is the last.Then,this paper establishes the influence factor of profitability regression model according to the evaluation results.The regression results show that the net interest margin,non-interest income and net profit growth rate have a significant positive correlation with the commercial bank profitability.The market structure and themanagement cost ratio are negatively related to the commercial bank profitability.Besides,there is no significant relationship between the commercial bank profitability and Macroeconomic environment,bank scale and risk in a short term.Finally,this paper proposes to optimize the business structure of commercial Banks,improve the income-generating capacity of non-traditional businesses,improve operational efficiency and reduce operating costs. |
