The Research Of The Income Structure Of Listed Commercial Banks On The Profitability

The profit scale of listed commercial banks continues to expand, It is undeniable that the rate of profit is in decline year by year. In 2015,The total profit of listed commercial banks had reached to 1.6 trillion, but the growth rate dropped to 2.4%, the mainly reasons are those :firstly, because the international environment changed,the export of China decreased,It lead to the decline of annual economic growth.secondly,with the development of internet economy and the construction of the multi-level capital market,commercial banks are main channels of financing is being changed. Lastly,the liberalization of deposit interest rate will increase the cost of commercial bank debt and narrow the spread. It can be seen that commercial banks should change the the traditional business structure so as to adapt to the the changes of environment.This paper expands discussion from the five aspects.The first part is the introduction,It mainly introduces the research background、significance、research ideas and research methods, and compares the results of previous studies and summarizes the innovation and the insufficiency. The second part is the related theory and literature review,this part mainly elaborates the income structure theory and classifies literature that concern with income structure and profitability. The third part is the analysis of income structure and profitability.The fourth part is empirical part,which verifies the influence of income structure on profitability.In the fifth part, I give some suggestions from the grasp the development opportunity of Internet banking、security innovative development of non interest business、adjust credit structure、control costs 、maintain a reasonable scale five aspectsThrough this analysis,I draw the following conclusions:(1) in general,the influence of net interest margin of listed commercial banks is positive, the regression coefficient is 0.1066,but showed a significant difference among the three types of commercial banks,.(2)The effect of fee and commission income is positive,the regression coefficient is 0.07525.(3)The increasment of investment income can enhance profitability, especially for large commercial banks,, but for city commercial banks, this effect does the reverse.(4) The development of Commercial banks should process a reasonable control of their own size, blindly expand the scale may not be able to increase the profitability of the bank.(5)The commercial banks should control the cost reasonably, and the improvement of the cost will greatly reduce the profitability of the commercial banks.(6)Credit business can enhance the profitability at the early age of development,non interest business significantly enhance the profitability of the bank after the development of a certain stage.