An Empirical Study On The Determinants Of Profitability Of Listed Joint - Stock Commercial Banks

Commercial banks as the financial market is the most critical intermediary institutions, in response to the macro economic, domestic banking competition pressure, enhance their own strength, profitability is related to its development. Although China’s commercial banks have been using a variety of innovative, breakdown of the target customer group reform means almost to get rid of the bottleneck and open up a benign development of the channel, there is good potential for development, but there are still many problems, such as lap hungry Internet platform upgrade, lock the target customers provide personalized services to optimize the quality of assets such as. In the current competitive environment, China’s emerging founded the commercial bank how learning, innovation, improvement of their own profits support become the sample banks and banking research focuses on the priority needs to be given. At present, there are many scholars at home and abroad for commercial bank profitability analysis discussed in the literature, but has yet to establish a unified normative theory, and related research mainly concentrated in interpretation on the profitability of commercial banks, the income level of qualitative analysis.This paper on China’s eight listed shares of commercial banks of Du Pont analysis method and "CAMEL" analysis method based on, from the bank’s internal factors (capital, asset quality, loan to deposit ratio, operation efficiency, liquidity) and external factors (gross domestic product, profit growth of industrial enteiprises, urban per capita disposable income) were evaluated the effects of these variables on joint-stock commercial bank profitability, and the 2010 to 2015 the time series of quantitative analysis, the correlation among these variables explain and according to the conclusion of the recommendations.