The Research On The Influence Of Commercial Banks' Income Structure On Profitability In China

Since the 1970 s,commercial banks in developed countries have been paying more and more attention to optimize the business structure.The banks lowered the risk of traditional single mode of interest spreads of deposit and loan.Because China's commercial banks are subject to deposit interest rates and loan interest rates,the banks' non-interest business development is lagged.As in recent years,with the acceleration of the process of China's interest rate liberalization,the profit of commercial banks has been greatly impacted.In 2015,the People's Bank of China cut interest rates several times and announced the cancellation of deposit interest rate ceiling on December 24, 2015.It means our country has basically cancelled the control of interest rate.Under interest rate liberalization,traditional deposit and loan spread narrows.Commercial banks should develop non-interest income business.This thesis combines descriptive statistical analysis with case analysis.According to a large number of data from 16 commercial banks,the thesis uses a lot of methods to study,such as chart analysis method and comparative analysis method.Chapter 1 is introduction.The second chapter summarizes the concept of business structure.The third chapter analyzes the current situation of commercial bank's business structure.The fourth chapter makes a descriptive statistical analysis using the data of 16 listed banks during the period of 2005 to 2014.Chapter 5 divides 16 commercial banks into three types.In this part,we select a bank from the three types of banks to make the case analysis. Chapter 6 analyzes the risk of developing non-interest income business.The seventh chapter includes summary and recommendations.The conclusion is as follows:(1)Non-interest income of listed banks in China is growing in size but the proportion is still small.(2)The non-interest income of listed banks in China is closely related to the profit of the bank.(3) Non-interest business development of state-owned banks is better than other banks.The countermeasures and suggestions of this thesis are of great significance to improve the competitiveness of commercial banks.