An Empirical Analysis Of The Industrial And Commercial Bank Of China Jilin Branch Profitability

The trend of global financial liberalization is more and more obvious,The trend of interest rate liberalization gradually reduces the profit space of Banks.Rely on the traditional interest income leading management pattern already cannot satisfy the sustainable development of our country commercial bank profits.Coupled with the global financial market increasingly fierce competition,with the continuous opening to the outside world of China's financial industry,foreign Banks influx increased bank competition,our country commercial bank to be in a tough economic situation based on development,will have to consider the transformation of business model.As one of the operating principles of commercial Banks,profitability can enable commercial Banks to maintain management and management,resist foreign risks,seek greater development and enhance their competitiveness.But with the rapid development official internationalization,China's Banks have already comprehensive opening to the outside world,some more than one hundred foreign Banks in our country,brought huge challenge to our country commercial bank and the pressure of competition.Commercial Banks in our country financial industry plays an important role in the development and stability,shoulder the task of the good and continuous development of financial industry,the improvement of commercial bank profitability will also play a role on the development of the entire banking industry.As the largest state-owned bank in China,the performance of industrial and commercial bank of China influences the development of China's banking industry to some extent.Therefore,in this paper,the industrial and commercial bank of China branch of Jilin province as an example,the comprehensive analysis and evaluation its profitability and influence factors,in view of the different factors affecting the profitability,factor analysis model is established,the empirical analysis,based on the research of the empirical analysis results give the corresponding suggestion,in order to promote Jilin province branch of industrial and commercial bank of China business development,at the same time for the study of bank profit model provides a new direction.In this paper,the study found that the industrial and commercial bank of China branch of Jilin province to maintain profitability growth,need to focus on asset scale,asset quality,capital adequacy ratio,operational efficiency,income structure,factors such as macroeconomic policy and aiming at the problems of Jilin province branch of industrial and commercial bank of China was improved,reasonable adjustment of assets,achieve economies of scale;Optimize asset quality,improve risk prevention and control system,reduce risk;Transforming business philosophy,improving operational efficiency and controlling cost expenditure;We will accelerate the transformation of the income structure,vigorously develop the intermediary business,and build a diversified profit pattern.Improve the ability of forecasting,adapting and coordinating macroeconomic development.In a word,the Jilin province branch of industrial and commercial bank of China should continue to strengthen their own management,combined with the actual situation and the future development trend,begin development pattern choice,enhance profitability,improve the competitiveness,striving to become the international first-class bank.