THE IMPACT OF TOTAL ASSETS, LIABILITIES, OPERATING EXPENSES AND OPERATING INCOME ON THE INCOME OF CHINA’S COMMERCIAL BANKS

Abstract

Research on the Factors Affecting the Income of Commercial Banks in China . In recent years, the income of China's commercial banks has shown an upward trend. Therefore, study the factors that influence the income of Chinese commercial banks. The researchers used quantitative methods and secondary data to complete the study. There are four independent variables in this study (total assets, liabilities, operating expenses, operating income) and a dependent variable (China Merchants Bank's income). Based on multivariate regression and assumptions, the analysis study analyzes the impact of independent variables (total assets, liabilities, operating expenses, operating income) on the dependent variable (China Merchants Bank's income) through SPSS 22.0. From the analysis results, the researchers found that the total assets and liabilities have no significant impact on the income of Chinese commercial banks. Operating expenses and operating income have a significant impact on China's commercial banks. The researchers believe that this is the first study to study the impact of China's independent variables (total assets, liabilities, operating expenses, operating income) on the dependent variable (China Merchants Bank's income). The results of the study indicate that commercial banks in China can increase the total income of commercial banks by increasing operating expenses and operating income.