An Empirical Analysis Of The Influencing Factors Of Profitability Of Chinese Commercial Banks

At this stage,commercial banks play an irreplaceable role in helping the overall macroeconomic development of our country as a whole.As the direct financial way in our national enterprises is not completely smooth,it is still in the developing stage.At the same time,it creates space for the indirect financing mode which is the main way for the commercial banks.Then the development of commercial banks' various business in our country is not only the historical requirement of macro environment,but also the development of the macro environment.Enterprises in order to seek development of their own needs.It is not to be ignored that the growth period of our country's banking financial industry is different from the growth period of the financial industry developed in the world.The history of integration into the market and the situation of the enterprise is not so long.This also leads to a lot of promotion in the development of our country's banking industry.What is more obvious is the system construction and management standard,new business development and innovation,supervision and management implementation efficiency,income generating capacity and so on.These shortcomings are more obvious after China's entry into the WTO in 2001.The overall development of our country needs to meet the challenges of economic globalization.China's commercial banks also need to fight against foreign banks with advanced management systems in the world in the tide of economic globalization.However,our country can not use national means at the present stage.Commercial banks in our country provide effective asylum.Combined with these circumstances,China's commercial banks have to explore the road in crisis and forge ahead in difficulties.From the other point of view,the research of commercial banks in our country is ultimately as an enterprise,and the ultimate goal of any enterprise is to mobilize all kinds of resources to improve the ultimate profitability.So if we want to explore the development road of commercial banks,the best solution is to study the profitability of commercial banks.If we solve the problem of commercial banks' profit,it will solve the problem of the development of the enterprise,and naturally solve the problem of the development of the bank.On the basis of analyzing and exploring other related documents about the development road of commercial banks,this paper,by collecting and collation,finally extracts some indexes which have great influence on the profitability of commercial banks,which are the total assets,liquidity ratio,capital adequacy ratio,non-performing loan ratio,inflation rate and loan of commercial banks.Total assets ratio,total assetsratio,inflation rate,return on assets of securities companies,and operational efficiency.By modeling and analyzing these indicators,the total assets,capital adequacy ratio and total loan amount are positively related to the proportion of total assets,liquidity ratio,inflation and profitability,negative loan rate and operating efficiency.In order to cope with the tide of economic globalization and improve the competitiveness of Chinese commercial banks in the trend of economic globalization,the influence factors that affect the profitability of commercial banks are explored in detail,the path for the development of commercial banks in China is explored and the relevant factors affecting the profitability of commercial banks are implemented to the maximum extent.It is the developer of our country.Industry bank is the most effective way to enhance the actual combat capability of commercial banks.