China’s Listed Commercial Banks Proiftability Analysis Based On DuPont Analysis

With the continuous development of China’s capital market and monetary market, China’scommercial banks are faced with new challenges and opportunities in the future, the CommercialBank of our country for many years we should improve their market competitiveness, in the faceof choicing interest income or non-interest income, is China’s commercial banks needing to solvethe problem. Our business has been in the loan business, interest income for the main source ofincome, this model is also feasible, how to choose a new development path is China’s commercialbanks being faced.In this paper, based on theory combined with before operation data of sixteen listedcommercial banks in China for many years, the use of econometric analysis of panel data analysiswas carried out, respectively, through the analysis of five large commercial banks and joint-stockcommercial banks at the same time, the traditional, development course and the present situationand the foreign commercial banks are compared, on the basis of analysis, China’s commercial banksbetween non-interest income and business performance correlation is weak, in the short termincrease interest diversification and not for commercial banks in China have obvious benefits, but inthe long term, with the operating environment of China’s commercial banks changes, expandnon-interest income business is inevitable, so we must prepare from now. Finally, based on theanalysis of China’s commercial banks on how to optimize the income structure of commercialbanks to enhance the competitiveness of commercial banks and puts forward several suggestions.