Research On Profit Quality Evaluation And Improvement Strategy Of Sheng Jing Bank

With the promotion of domestic supply-side structural reform and the optimization of economic structure,the dependence of economic growth on monetary credit has decreased.Deleveraging and financial regulation have been gradually strengthened,resulting in more regulation of bank capital utilization,less capital circulation and nesting within the financial sector,and more capital flowing to the real economy.However,in the face of financial disintermediation,interest rate liberalization,structural deleveraging,continuous tightening of net interest margins and continuous growth of non-performing loans,China’s banking industry is facing great challenges.How to survive in such a macro background,the banking industry must seek a stable profit source.Therefore,the quality of profits will become the focus of financial regulators,bank managers and stakeholders,as well as a strong basis for predicting the development ability of enterprises.Shengjing bank is a joint-stock city commercial bank with its head office in Shenyang,Liaoning province.As its credit assets continue to rise,it must strengthen the management of profit source and optimize the quality of profit.This thesis takes shengjing bank as the research object,and puts forward relevant strategies to optimize the profit quality on the basis of exploring its profit quality status.The thesis first introduces the relevant theories of profit quality and commercial bank profit quality,and selects the profit quality evaluation index and evaluation method.Secondly,it introduces the development of Shengjing Bank,the composition and characteristics of profits and the status quo of profit quality.Thirdly,the thesis constructs the profit quality evaluation system of Shengjing Bank,and uses the analytic hierarchy process to determine the weight of the index of profit quality.At the same time,it selects 10 commercial banks of the listed companies in the banking industry as samples to analyze and use the coefficient of force method to calculate the evaluation index.The comprehensive score of Shengjing bank’s profit quality is 51.93,the evaluation type is medium,and the rating is C-.The quality of Shengjing Bank’s profit is basically good,and there is still much room for improvement.Finally,through analysis and evaluation,the thesis draws the problems of low availability,low quality of profit sources,rising non-performing loans year by year,and low efficiency of capital use.Based on these problems,the thesis puts forward some strategic suggestions for improving the quality of profits,including: improving the ability to withstand risks,forming high-quality profit sources,strengthening non-performing loan management,and improving the efficiency of credit funds.Through analysis and evaluation,the thesis constructs the banking industry profit quality evaluation system,and the profit quality improvement strategy proposed by Shengjing Bank can be used for reference by other city commercial banks.