China's Commercial Banks' Profitability, The Profit Composition Changes And Credit Risk

With defining the profit of commercial banks at first, the first part of this dissertation puts forward three kinds of profit models. The angle that develops from dynamic state later on investigates the source of profit and the change of its constitution.Taking financial ratios as indexes and with adoption of DuPont analysis method, the second part of this dissertation investigates four state-owned commercial banks from eight aspects, and carries on earnings and income structure comparison with some share-hold commercial banks and international banks, and then puts forward some measures of the state-owned commercial banks income structure reformation.Comparing and introducing some essential methods of credit risk, the third part of this dissertation analyzes, from an economic view, the income modes of client and agent respectively with and without incentive mechanism, and then describes the relationship between the interest rate and the value and the average rate of return of a mortgage. This part also tries to investigate credit risk and irrational behavior of credit market by analytical frame of behavior finance.The last part of this dissertation analyzes credit risk of China, looking back the credit risk management history of Chinese commercial banks and analyzing the credit environment of Chinese commercial banks, and puts forward management methods aiming at Chinese commercial banks. Because of China's entry WTO, foreign commercial banks will participate in Chinese credit market, using methods of the Game theory;this dissertation also tries to forecast Chinese bank industry in the future.