Profitability Analysis And Countermeasure Reserch Of China Construction Bank

With the continuous implementation of financial deepening reform,profitability has become one of the main standards for measuring the competitiveness of commercial banks.Research results on the evaluation methods and influencing factors of profitability of commercial banks both at home and abroad have also gradually increased.Under the current background that the profitability of banking in China is generally declining,this article has the important practical significance to choose the profitability of CCB.This paper first introduces the background and significance of the topic selection,the relevant theories and methods of bank profitability research,as well as the domestic and foreign research status,defines the connotation of commercial bank profitability,and analyzes the influencing factors of commercial bank profitability.Secondly,this paper chooses the financial data of China Construction Bank in the past five years as a sample,and mainly uses the optimized DuPont analysis model to make a basic analysis of the present situation of the profitability of China Construction Bank.By using the index ratio analysis method,this paper analyzes the relationship between CCB and three other commercial banks The profitability of a comparative analysis.Through all-round vertical and horizontal analysis,we found that CCB is in a position to change its profitability and reveal its weaknesses and shortcomings.The research shows that the operating efficiency of CCB is relatively stable.Under normal circumstances,there will not be any big ups and downs of profits and high business and management capabilities.Major factors that have a significant impact on the profitability of China Construction Bank include asset size,liquidity,intermediary business,capital adequacy ratio and non-performing loan ratio.Such as the lack of share of the middle of the business,the cost of lending services rise and interest rates decline,these problems have seriously affected the bank's profitability and long-term development.Therefore,in order to improve the situation as the original intention,this article put forward targeted solutions,including: to speed up the pace of diversification,all-round development of intermediate business,improve their capital adequacy ratio,maintain appropriate liquidity,timely adjustment of the strategy to adapt The needs of the development of the industry.The research results of this paper can help CCB managers to sort out their ideas to a certain extent and more objectively recognize the many differences in operation between CCB and its many competitors and find the main factors influencing profitability,Suitable for its own development path,and can provide other commercial banks with relevant experience.