Study on the Influencing Factors of Commercial Banks' Financial Benefits

commercial bank is a modern enterprise with the purpose of making profits, so the quality of financial benefit is an important embodiment of the survival and development ability of a commercial bank. In recent years, driven by the trend of the world, the reform of interest rate liberalization in China has been further pushed forward, which has brought huge impacts and challenges to China's commercial Banks whose main income is the traditional interest rate difference. At the same time, the rise of non-financial institutions and the rapid financial innovation products are also further seizing the market of commercial Banks. Therefore, under such multiple pressures and challenges, improving the financial efficiency of commercial Banks is the only way to cope with the development and change of the environment and defeat the competitors. This paper takes the 10-year financial situation of nine listed Banks as the research object, conducts qualitative and quantitative analysis on the factors influencing financial benefits, and finally constructs the individual fixed effect regression model after testing. On this basis, this paper analyzes the current situation of commercial Banks' financial benefits and its influencing factors, and provides some feasible Suggestions for the future development direction of commercial Banks.