影响一个事物发展的因素或许有很多,但是起决定性作用的往往很少。本文主要是简单地对影响我国商业银行利润的因素进行探究,在这一过程中我们准备利用面板数据的模型,然后对模型的构建以及实施作简要说明,但由于一些客观原因不会运用具体数据进行理论实践。利用这一模型我们预测,能够得到总资产、总贷款以及存款准备金率这三个因素和商业银行的利润存在着正相关的关系。换句话说,也就是在一定的限定内,如果这三个因素能够稳步增长,银行的利润也就会非常可观了。 There may be many factors that affect the development of one thing, but few often play a decisive role. This article is mainly to explore the factors that affect the profit of China’s commercial banks. In this process, we plan to use the panel data model and then give a brief description of the model construction and implementation. However, for some objective reasons, we will not use the specific data Conduct theoretical practice. Using this model, we predict that there is a positive correlation between the three factors of total assets, total loans and deposit reserve ratio and the profits of commercial banks. In other words, within certain limits, if these three factors can be steadily increased, the profits of the banks will also be very impressive.