A Research On Sustainable Profitability Of G Bank Based On Internet Plus

With the development of economy and the popularization of the internet,China has become a large number of internet users,the fifth plenary meeting of the communist party of the communist party of China pointed out:to promote the strategy of network power,launch the" internet plus" action plan,share the economy and implement the national big data strategy.In this context,the banking industry is impacted by the internet plus model,third party loans,network financing platform,third party payment,compressed the profit space of banks.The moderm capital supply and demand of financial management,network insurance sales and network banks have changed the traditional bank theory model,and the profit model of commercial banks has undergone profound changes.Therefore,urban commercial banks must steadily improve their profitability,to adapt to the fierce competitive environment in today's market.Due to the excessive historical problems and the lack of asset quality of Chinese urban commercial bank,the lack of business innovation and low management level,after the financial system reform in recent years,although these problems have been improved,there is still a long way to go.In the face of the fierce competition and market economic downturn of similar industries,if want to improve the competitiveness rapidly in a short time,we must pay enough attention to the improvement of the profitability of urban commercial banks.As the city bank supported by local government,G bank,how to break through the reform,find the profit growth point,how to achieve sustainable profitability,analyzes the challenges and opportunities of commercial banks,and puts forward relevant countermeasures to provide ideas for their own development and innovation.Theoretically studies the main factors of city commercial bank profitability,use SPSS software to G city bank financial earnings data summary,multivariate analysis method,with various sustainable profitability indicators such as capital adequacy ratio,return on total assets,cost rate,fees and commissions of income is smaller than,the GDP growth rate,the network micro loan balance of total bank such as the ratio of loan balance evaluation on sustainable profit ability,and accordingly,the grameen bank,to find out which factors on the most beneficial on profit,prompting G bank to deeply understand their own situation,combined with the actual situation of G bank on how to improve its profitability,put forward corresponding countermeasures.To explore the city commercial bank profitability and related problems,combining previous scholars in the field to study and put forward the evaluation index system,in this based on the specific inquiry,explore the results,because of the help to the Banks' financial health,management ability and risk control to conduct a comprehensive understanding,and an in-depth understanding of the truth of bank information disclosure is also very good;The benefits of making comparisons between industries are very beneficial;On exogenous facilitate thorough knowledge of relevant stakeholders,including customers,investors and financial regulators,etc.,on city business and profit regulation indicators,the effects of which facilitate based on this to make more rational investment strategy,and adopt a more reasonable regulatory measures;Help to further optimize the assets structure of China's city commercial Banks,in aspects and so on bank credit risk effectively,and also can to defuse financial risks,and promote China's financial market efficiency improvements.Based on G bank as the research object,this paper focuses on exploring its profitability evaluation ways,through qualitative and quantitative analysis,find out the main factors influencing the bank sustainable profitability,a thorough understanding of grameen bank has advantages and shortcomings,and put forward corresponding countermeasures and Suggestions,by using the theory of learned knowledge in practice is of great practical significance.