An Empirical Study On The Factors Affecting The Profitability Of Listed Banks

With the rapid development of China's economy and the acceleration of economic globalization,the financial industry has increasingly become the main engine of economic development and the core force driving economic growth.As the main body of China's financial industry,the banking industry plays a decisive role in the allocation of national economic resources.Especially for developing China,direct financing markets such as the debt market are underdeveloped,and indirect financing provided by commercial Banks is still the main financing method for market financiers.Therefore,the steady development and operation efficiency of commercial Banks have become the main factors related to the development of national economy and the overall operation of macro-economy.Among the many factors of enterprise development,profitability is one of the most concerned issues for managers.As a profit-oriented operating institution,the profitability of commercial Banks is the foundation of their existence and development.Studying the factors that influence bank profitability can help management,investors and governments predict and respond to the emerging uncertainties in the global economic environment.Based on the profitability of listed commercial Banks in China influence factors as the research object,on the basis of previous literature and research on the selection of state-owned commercial Banks in our country,the national joint-stock commercial Banks,such as regional commercial Banks 20 listed commercial Banks as the research sample,from 2008 to 2017 data from the two aspects of internal and external structures,analysis model,through the empirical analysis on the influencing factors of commercial bank profitability.The results show that the scale of Internet payment(ITF),capital adequacy ratio(CARP),and interest-bearing ratio(SJB)are positively correlated with Banks' profitability.GDP growth rate,M2,ASSET,NPLR and MFR are negatively correlated with bank profitability.On this basis,from a reasonable control of the scale,deepening the transformation and development;Optimize the operation structure and improve the operation efficiency;Improve capital adequacy ratio;We will strengthen innovative business development and increase revenue from intermediate businesses.Strictly control the bottom line of risk,reduce the scale of non-performing loans and other aspects of the profitability of domestic commercial Banks put forward Suggestions.