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Commercial bank as a profit financial institutions, profitability is the precondition of its continuous and steady development, it not only is an effective way of commercial banks internal capital accumulation, also is the indispensable condition to attract investors.In addition, profitability in a certain extent reflects the bank's ability to resist risk, is a powerful protection for the depositors,which can be said profitability is one of the pillars of bank survival and development. In this context, commercial banks have introduced foreign investors, optimized corporate governance, cross-regional operations and other measures to improve profitability.Also, since the listing of Shenzhen development bank, China's commercial banks have also joined the flood of listed financing.At the end of the 2017 year, 117 commercial banks in China achieved a successful listing, which is not only beneficial for capital expansion of listed commercial banks, also greatly improved the profitability of commercial banks, but compared with the large international commercial banks,there is still a large gap in profitability.Besides, the pace of interest rate liberalization in China is gradually accelerated, the traditional interest rate profit model of commercial banks in China is greatly challenged.These require listed commercial banks to speed up the transformation of the business model and improve profitability.Therefore,how to improve the profitability of banks has always been a new topic,which has been injected with new elements in different stages of economic development.Although Chinese research on the profitability of banks has started,it still lacks systematic and persuasive research results.Song Xianzhon and Gao Zhiwen (2001)studied the relationship between bank asset quality and bank profitability. Li Baoren and Wang Zhengrong (2003)studied the relationship between capital structure and profitability from the perspective of analysis methods and found that the profitability of