On Profitability Enhancement Strategy Of H Bank Huaihua Branch

In recent years,the profitability of commercial banks is facing a severe test under the situation that the national economy is slowing down and the economy is facing downward pressure.Compared with other state-owned banks,regional commercial banks have a huge gap in asset size and management.Therefore,it is undoubtedly a topic of practical significance to enhance the profitability of regional commercial banks by studying the influencing factors of profitability of regional commercial banks.As an emerging commercial bank,Huaihua branch of H bank has strong representativeness.The bank has also made some structural reforms in response to its own problems.However,the results are very little.Compared with other commercial banks of the same level,there is still a big gap.In order to maintain the sustainable development of Bank H Huaihua Branch,how to effectively enhance the profitability of Bank H Huaihua Branch has become the main topic of this paper.Therefore,this paper takes Huaihua Branch of H Bank as the research object.First of all,through the literature,we know the status quo of the profitability research of commercial banks at home and abroad,the theoretical basis and influencing factors of commercial banks' profitability.Then in-depth on-the-spot,the current profitability of H Bank Huaihua Branch of the investigation and research,including business conditions,the existing profit model,and the horizontal comparison with counterparts,summarizes the main problems of H Bank Huaihua Branch.Next is to select the appropriate evaluation method,build profitability index system,and carry out case analysis to evaluate the profitability of Huaihua Branch.Finally,according to the analysis results of the problems,combined with the actual situation of Huaihua Branch,summed up the countermeasures to enhance the profitability of Huaihua Branch.In this paper,based on the profitability of Huaihua Branch of H Bank,the profitability of the branch is analyzed and studied in depth.Through collecting the relevant financial data of Huaihua Branch of H Bank,the profitability of the branch is analyzed and evaluated,and the strategy for improving the profitability of the branch is formulated.Better practical significance,to enhance the bank's competitive advantage and enrich the bank's profit-making theory has an important role.