Research On The Improvement Of Profitability Of HZ Branch Of Industrial And Commercial Bank Of China

In recent years,the rise of intelligent mobile terminals,Alipay,WeChat Pay,financial management platform and the development of Internet finance have brought tremendous impact to the traditional business model of commercial banks relying on deposit-loan spreads for profit.The bank’s profit space was squeezed.In the new economic environment,commercial banks once "bank-led customer" service way can not meet the needs of customers.The management of small and medium-sized enterprises is not standardized,the strength is weak,and it is more difficult to borrow funds from commercial banks.The practice of commercial banks paying attention to big customers and neglecting small and medium-sized enterprises limits the source of their interest income..The traditional profit model of commercial banks depends on the big customers needs to be changed.At the same time,the rapid development of Internet finance also makes the profit space of commercial banks be compressed.This paper selects the ICBC HZ branch to analyze the profitability of ICBC,which can provide some reference for similar banks.Through the method of case analysis,this paper takes HZ Bank related profit sustainability index of ICBC’s HZ Bank with the improved DuPont analytical system model.the paper points out the deficiency of the current profitability of HZ Bank of ICBC and the reasons for these deficiencies,and puts forward some suggestions to solve them one by one.This paper consists of 5 chapters:chapter 1 introduces the research background,domestic and foreign relevant research literature review.Chapter II discusses the theoretical basis of the profitability research of commercial banks,including financial intermediation theory,financial function theory and DuPont analytical model.Chapter 3 analysis HZ bank current situation.On the basis of introducing the current situation of ICBC HZ Branch,this paper analyzes the profitability of ICBC HZ Branch vertically and horizontally.The fourth chapter is about the lack of profitability of Industrial and Commercial Bank of China(ICBC)HZ Branch and its reasons.Combining with the actual situation of ICBC’s HZ Branch,it points out the problems in its profitability and points out the problems in its profitability.The causes of these problems are analyzed.The fifth chapter is the countermeasures and suggestions of improving the profitability of the HZ branch of ICBC.In this chapter,some suggestions are put forward on the shortcomings mentioned above.The conclusion of the study is that the current profit generation level of Industrial and Commercial Bank of China HZ Branch is relatively stable,and the business operation and management level are good.However,there are still problems such as insufficient innovation of intermediate business products,unreasonable product structure,asset quality to be improved,and low operating efficiency.These problems restrict the improvement and continuous development of HZ Bank’s profitability.This paper puts forward such measures as improving product innovation ability,accelerating the diversification of business structure,strengthening asset and liability management and optimizing bank operating efficiency.