An Empirical Study On The Influencing Factors Of The Profitability Of City Commercial Banks

After more than 20 years of development,China's urban commercial Banks are now the third largest in China's banking industry.At present,the global economic recovery,emerging economies to maintain rapid growth,the economy running smoothly and steadily in our country have entered,the kinetic energy to speed up the transformation of old and new growth,financial reform deepening,financial regulation increasingly severe,plus interest rate marketization,the Internet under the background of financial development and financial disintermediation,faced with the problem of the city commercial bank profit growth is decreasing,city commercial Banks should be how to adjust business strategy,to reverse the situation,under the complex internal and external situation optimized profit model,it is very important to make the transition to high quality development steadily.Based on the city commercial bank profitability factors as the research target,this paper research background,significance,introduced the domestic and foreign related literature and results in the study of commercial bank profitability outlined the city commercial bank profitability indicators related concept,influence factors,through detailed analysis in recent years,city commercial bank supervision index changes of the city business profit status quo,problems and reasons,our country city commercial bank profit sources rely mainly on traditional interest income,overall profit model of a single,low service efficiency of funds,the slow development of intermediary business and product innovation ability is weak,and so on.Then,by selecting 11 indicators of 15 listed city commercial Banks in China from 2009 to 2018,empirical analysis of panel data is conducted,and Suggestions for improving the profitability of city commercial Banks in China are obtained.City commercial Banks in China should by optimizing corporate governance structure,to speed up financial technology layout,improve the humanistic hing line management,active layout retail business,the development of intermediary business,explore their own competitive advantage,build characteristic development strategy,speed up the old and the new kinetic energy transformation,increase the intensity of capital financing and other ways to improve the profit ability and the comprehensive strength of city firms.