Research On Improving Profitability Of SDZ Commercial Bank

Along with the deepening of financial reform,the interest rate market continues to advance,the external business environment is deteriorating,the profitability of commercial banks especially the traditional business profitability is facing unprecedented challenge before.Commercial banks to gain a space for one person in the fierce market competition,we must enhance their core competitiveness,strengthen its profitability,profitability remains higher than competitors.As a state-owned commercial bank,SDZ commercial banks mainly serve in city,although in recent years carried out a series of reforms in its system,but did not achieve great breakthrough compared with the industry first,there are still some problems.How to improve the profitability of commercial banks in SDZ,and to maintain its sustainable development,is the main problem of this paper.Profitability refers to the ability of enterprises to obtain profits.As a business object,focusing on credit and risk management of special financial enterprise,its foreign products and services are also very special,its competitive advantage and profitability also has its own characteristics.Based on the analysis of literatures at home and abroad on the profit ability of the bank on the basis of SDZ,combined with the development of commercial banks,the three elements of management system,organizational structure and internal factors as the basic profitability of commercial banks,and establish a theoretical analysis framework,on this basis,focus on the analysis of current situation and problems of the SDZ from the bank the angle of internal financial management.The ratio of liabilities to assets,the main business income,economic value added and other financial indicators according to the domestic and foreign research on the selection of internal management evaluation index;using the methods of comparative analysis,combined with the location of SDZ commercial banks in city bank,with other directly under the branch of the system carried out comparative analysis;besides analysing the financial index,this paper also adds to the analysis of SDZ commercial bank customer structure,channel construction,to find out the major problem of restricting to enhance their profitability,and puts forward the profitability of SDZ bank and organization guarantee system and the path of ascension.This paper is divided into five chapters.The first chapter is the introduction,which introduces the background and significance of the topic,the domestic andforeign research review and the framework of the thesis.The second chapter is the theoretical analysis of the profitability of the commercial banks.Based on the definition of the profitability of commercial banks,a theoretical framework for the analysis of profitability of commercial banks is established.This part is the part of analysis foundation;analysis of the current situation of the profitability of the third chapter of SDZ commercial bank,mainly around the external environment analysis,SDZ analysis,current situation of commercial bank internal management of SDZ commercial bank comparative analysis,and other main products directly under the branch of profitability ratio,finally pointed out the main problems which restricts the SDZ to enhance the profitability of commercial banks in the fourth chapter;the third chapter analysis and problem,put forward the profitability of commercial banks should enhance the SDZ from the SDZ to adjust the asset and liability structure of commercial banks,develop intermediary business;construction of the whole channel network bank,development and innovation of public financial services;three aspects of subdivision target customer groups to work;the fifth chapter is the guarantee measures to improve the profitability of commercial banks to achieve SDZ.Mainly from the system and organization structure,strengthen the network transformation,supporting system,to enhance the profitability of commercial bank SDZ escort.The main contribution of this paper is based on the general analysis,the focus is on the analysis of the city as a branch of profitability and development of grassroots organizations of commercial banks,especially the analysis of the commercial bank customer structure,channel construction is a bright spot.The deficiency of this paper is limited to the theoretical level,the analysis framework of the profitability of commercial banks is relatively rough.