An Empirical Study On Profitability And Its Influencing Factors Of Rural Commercial Banks In Southern Jiangsu

China's economy has entered a new normal,and downward pressure on the economy has continued,which has had a great impact on the banking sector.At the same time,along with the upgrading of industrial structure,interest rate marketization and the deepening of rural urbanization,constantly promote the reform of financial system in our country,improve the market competition mechanism,strengthen the supervision of financial markets and to the development of the banking sector more transition opportunities.As an important part of China's financial system,rural commercial Banks are faced with much greater challenges and opportunities.Jiangsu province,including Nanjing,Suzhou,Wuxi,Changzhou and Zhenjiang,occupies nearly half of Jiangsu province,with a high degree of economic development and a leading position in the country.Relying on the local economic environment and their own characteristics,southern Jiangsu rural commercial bank through service "three agriculture" in the region and the developed of small and medium-sized private enterprises,clear its own market position in the socialist new rural construction,insisting on the tenet of serving local development expand business,constantly enhance the level of financial services and maintain the development of rapid,efficient and stable.But given its own defects,and the increasingly fierce competition environment and changing internal and external business environment,how to keep higher profit ability to adapt to the change of market environment,maintain strong competitiveness will be crucial to maintain sustainable and rapid development.This paper studies the rural commercial bank profitability related theories and literature,on the basis of predecessors' understanding of the current status of rural commercial bank management,profitability,influence factors and the deficiencies,at the same time,also found that the existing research for local operation and differences of the rural commercial bank lack of more detailed scientific reference,therefore,the text hope that through the in-depth study of southern Jiangsu rural commercial bank,added for related theory and practice to make certain.In this paper,first the comprehensive analysis and understanding of southern Jiangsu rural commercial bank management present situation,including profitability,asset size,type and business structure,income structure,credit risk,etc.,in the above selection based on the related factors affecting the profitability index,and selected the typical nine bank Southern Jiangsu region empirical analysis,draw the conclusion: the total return on assets and asset scale,the cost income ratio,the enterprise loan ratio significantly negative correlation;The total return on assets is positively correlated with the concentration degree of the loan industry.Finally,this paper makes recommendations based on the conclusion,including four aspects: do not blindly expand the scale,develop the personal loan business,improve the cost management system,and strive to improve the technical level.This paper hope through the study of the region's rural commercial bank in the heat of the financial environment steady development for reference,as well as the other rural commercial bank business development for reference.