Research On Profitability Analysis And Improvement Of Jiu Quan Branch Of ABC

With the strong promotion of the socialist market economy and the continuous reform of China’s banking industry,the development of China’s banking industry has shown a good development trend.From the former four major state-owned commercial banks of China Agricultural,Industrial and Construction,occupy the main control position in the country,and have developed to the present With dozens of national commercial banks,hundreds of city commercial banks,a number of foreign banks,and Internet financial giants competing against each other,the competition among the banking industry is becoming increasingly fierce.Under the challenge of the new situation,commercial banks have gradually realized the real problem of their low competitiveness and have explored effective ways to improve their core competitiveness.Profitability is one of the main criteria for measuring the core competitiveness of commercial banks.In order to gain a place in the fierce market competition,profitability must remain higher than the profitability of competitors.Based on the analysis of Jiuquan branch behavior of Agricultural Bank of China,this article focuses on the systematic analysis of the profitability of the grass-roots operating institutions of commercial banks based on the analysis of general commercial banks.Find the key direction of its operation and development,so as to improve its profitability and competitiveness.This article first analyzes the main reasons for the decline in profitability of Jiuquan Branch of Agricultural Bank of China.Through the use of the improved DuPont analysis system,it analyzes the current situation of profitability of Jiuquan Branch of Agricultural Bank of China,decomposes the return on net assets one by one,and uses the factor analysis method to find the impact.The rate of return on net assets accurately finds the reasons that affect the profitability of Jiuquan Branch of Agricultural Bank of China;then uses a comparative analysis method,combining the positioning of the four state-ownedcommercial banks of Jiuquan Branch of Agricultural Bank of China,and conducts similar and different objects with three other local state-owned commercial banks Comparative analysis of profitability indicators.Through systematic analysis,we can dig deep into the factors,find out the profitability change trend of the Agricultural Bank of China Jiuquan Branch and its position in the industry,and reveal its weak links and existing disadvantages.Finally,an economic value-added model is introduced,which is decomposed layer by layer,and an effective way to improve quality and efficiency of the Agricultural Bank of China Jiuquan Branch is found out based on value creation and capital savings.By calculating the economic value added of various financial assets,accurately and comprehensively find products that create higher economic value for the Agricultural Bank of Jiuquan Branch as the business focus,expand new profit space,tap new profit potential,and effectively and effectively achieve Agricultural Bank Jiuquan Branch’s business goal of maximizing profits,and at the same time,it puts forward countermeasures to improve profitability of Agricultural Bank Jiuquan Branch from the aspects of deposit and loan business,middle-income business,risk control,and capital constraints.The research results of this article can help managers of the Agricultural Bank of China Jiuquan Branch to sort out their ideas,to objectively recognize the advantages and disadvantages of the Agricultural Bank of China Jiuquan Branch compared with its many competitors,to find the key direction of its operation and development,and to provide a key direction for its operation and development Plan a development path that is more suitable for you,and provide important references for the development and progress of other state-owned commercial banks.