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In mid-90s of the 20th century, the city commercial banks were established on the basis of urban credit cooperatives. City commercial banks play a very important and irreplaceable role in supporting local economic development, solving employment and services of urban residents. As at the end of 2009, there were 144 city commercial banks. Bank of Beijing, Bank of Nanjing and Bank of Ningbo have been approved of listing with strong profit capacity. However, because of historical factors, management and other factors, most part of city commercial banks are at risk status with non-competitiveness and weak profit capacity in the domestic financial market.This article based on the status of city commercial bank; analyze the profitability of city commercial banks and the factors affecting the profit capacity. According to the analysis of city commercial banks’status and profit capacity, the key factors of affecting the profit capacity were summarized, including the size of bank assets, banking structure, bank costs, bank ownership status, risk factors and financial ecological environment. On the basic of qualitative analysis, factor analysis was used to analyze corresponding indicators which affect the profit capacity of China’s city commercial banks and the degree of influence. Through the empirical results of the analysis, major issues of the profit capacity of city commercial banks could be realized, the factors affecting the profit capacity of commercial banks would be summarized, and then proposal would be proposed to increase the profit capacity of city commercial banks.Article was divided into six parts:Chapter I, Introduction. First, the background, purpose, significance, methods, ideas and innovations of the study were introduced. Secondly, theoretical study about the profit capacity of commercial banks and related economic theory in foreign and domestic were described, then, reviewed the research and theory in this area.Chapter II, related theories, include the definition of the concept of city commercial banks and profit capacity,development process of city commercial banks and the characteristics of this stage of city commercial banks.Chapter III, introduced China’s city commercial banks profit status, Including profit capacity models, overall profit capacity, profit capacity growth and the profit capacity of the intensity distribution. Chapter IV, summed up China’s city commercial banks profit capacity factors, including the banking assets, banking structure, bank costs, bank ownership status, risk factors, banks and financial ecological environment.Chapter V, empirical study. First of all, introduced the impact of city commercial banks profit capacity factors selection, and then set the data and model analysis, and then final empirical analysis. This section is the most important innovation of this article.Chapter VI, according to the analysis above, analyze the profit capacity of city commercial banks are the major issues, summarized affect the profit capacity of commercial banks in the city of factors, and then proposed to increase the profit capacity of commercial banks in the city’s proposal.
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