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

Commercial banks are the main force of China's financial institutions,and the steady profitability is the foundation of bank development.With the slowdown of economic growth,the promotion of interest rate marketization reforms,and changes in residents' consumption structure,the operating environment of banks has undergone tremendous changes.Since the 21 st century,China's commercial banks have gradually adopted retail business as the focus of transformation,accelerated their own retail business development,and enhanced the core competitiveness of retail business.At the same time,the widespread application of new technologies such as artificial intelligence and big data has provided new opportunities for the bank's retail business.The banking market is fiercely competitive and there are many types of financial products.Banks have turned to the development direction of focusing on consumers.The increase in high-quality individual investors,especially high-net-worth clients,has given impetus to the development of the bank 's personal business.Therefore,in order to cope with the transformation trend of domestic banks,how to enhance the profitability of China's commercial banks and discuss the impact of personal business and corporate business on China's commercial banks have become the focus of this article.This article is based on economic growth theory,bank profitability theory and retail business development status,focusing on the impact of China's bank personal and corporate business on commercial bank profitability.Firstly,the meaning of the profitability of China's commercial banks is clarified.Secondly,from the perspective of personal business and corporate business,the individual and corporate business development trends of each bank and the current status of bank profitability are analyzed.Afterwards,on the basis of theoretical analysis,Stata software was used to perform regression analysis on the data of 10 listed commercial banks from 2008 to 2018.By analyzing the regression results of the fixed effect model and differential GMM estimation,the profitability and macroeconomics of commercial banks were summarized.1.The relationship between the deposit and loan business and the influencing factors of asset quality results in:(1)From the perspective of the economic environment,China 's commercial banks are affected by the development of the national economy,and the economic growth rate will increase.The profitability of banks will be improved.The growth rate of the gross value has a positive effect on the profitability of the bank.(2)From the perspective of bank's personal business and corporate business,personal loans,corporate deposits,corporate loan size and net interest margin have a significant positive impact on the bank's profitability,and the company's non-performing loan ratio has a significant negative impact on profitability.China's commercial banks still need to make efforts in retail transformation,and only lending business in personal business significantly affects the profitability of banks.In addition,the proportion of non-interest income has an insignificant negative impact on the profitability of banks.At the same time,China's commercial banks need to continue to optimize and optimize the loan structure,increase personal loan and corporate loan yields,improve loan quality,and strengthen risk management and control capabilities.