China's Listed Commercial Banks Profit Analysis

Commercial banks, as the basis of the national finance and economy, is whetherin good operation is directly related to the development of other sectors of the nationaleconomy.2008global financial crisis engulfed foreign commercial bank mergers andacquisitions wave collapse phenomenon. Chinese commercial banks, although theimpact is limited, but they were arising from the global financial regulatory reform ofChina’s financial industry, especially the commercial banking industry has had aprofound impact. However, China’s commercial banks were profitable in recent years,and they maintained the sustained rapid growth, which far exceeded the rest of theworld with the industry level and the level of other industries of China’s nationaleconomy. In the face of complex domestic and foreign economic and financialsituation, China’s commercial banks’ abnormal profit status had caused us greatconcern. The long-term unreasonable profit detonated a number of economic andsocial issues and, more importantly, the sustainable development put forward higherrequirements for commercial banks profit model.The article describes the basis of the theoretical basis of the commercial banksand research, selects the listed commercial banks on behalf of first horizontalcomparative analysis of different stages of the listed commercial banks in China, andother industries as well as foreign commercial banks. Secondly, the balance sheet andprofitability indicators as a reference, in-depth analysis of China’s listed commercialbanks’ profitability structure and its trend. Subsequently this article standing on top ofmacro-and crowd perspective, from changes in the way of economic development,regulatory changes, changes in accounting rules and business development strategy,transformation of four perspectives on the factors that affect the profitability of listedcommercial banks in China, annual reports of listed commercial banks data areanalyzed. Finally, the commercial banks in the national economy and reasonableterms of strategic orientation as the basis, from the improvement of the profit modelto explore to improve China’s listed commercial banks profitability measures, androad of development to achieve sustainable profitability.