Analyses On The Capacity For Getting Profits Of List Commercial Banks In China

Commercial bank as three pillars of financial industry play an important role in the development economy, especially the direct finance in our county under the condition of capital market is not developed. With indirect financing of commercial Banks is more important in the position in the economic development of our country. Since China’s accession to the WTO, our country’s financial market is gradually opened, joint-stock commercial Banks set up and the access of foreign Banks has aggravated the competition in the banking industry in our country. Profitability of commercial bank will be directly related to whether the bank can be alive or not in the brutal competition in the banking sector, so the impact factors of commercial bank profitability analysis in theory and in practice is especially important.in recent years, a lot of research on this issue has been put forward on factors influence the commercial bank profitability, but they often were relatively independent research and those study failed to research from the whole economic system factors influence the development of commercial bank profitability potential.In this paper, China’s actual economic situation and the direction of reform as the background and in the past on the basis of relevant academic research, Based on the currently16commercial Banks which has go public the analysis of the relevant data from2003to2012, Studying the Banks’ profitability as well as the factors that affect its profitability. Refining in many research factors influence degree could be the biggest seven indexes, and establishing the econometric model, multiple regression analysis method is studied in this paper, mainly divided into the following sections, the first chapter mainly introduces the related domestic and foreign scholars on the issue of research; The second chapter respectively introduces the state-owned commercial Banks and joint-stock commercial Banks in China the profitability of the status quo; The third chapter applies the method of theoretical analysis on the influencing factors of our country commercial bank profitability is analyzed, and put forward the hypothesis of this article; The fourth chapter using the multivariate regression analysis method to influence the profitability of commercial Banks of our country’s listed factor has carried on the empirical analysis; The fifth chapter puts forward some Suggestions on the reform of our country commercial bank, etc.Only further study the factors influencing the profitability of Chinese commercial Banks, we can have the key measures to promote the competitiveness of commercial Banks in China, This is the foothold in this research.