距离2008年全球金融危机已悄然过去了十二个年头，在这期间，各国商业银行 不断的修正发展，中国银行业发展状态也比较良好。同时我们也应该关注中国银行业 面临的风险和挑战。 从国际来看，自2006年到2019年，随着我国对外开放水平的不断提高，外资银 行进入我国市场。外资银行的进入同时带来了挑战和机遇，外资银行在资本运营、管 理制度和创新能力等方面要强于我国商业银行，而我国商业银行相对外资银行还存在 着很多不完备的地方。从国内来看，互联网金融规模的持续壮大也在不断影响商业银 行的盈利水平。例如，网商银行开业于2015年6月，经过短短四年时间的发展，就 已进入2019年度全球银行1000强排名的第881位。由此可见，互联网金融的发展也 给传统商业银行带来了冲击力。 中国建设银行在中国乃至世界银行体系中占有举足轻重的地位，对中国建设银行 盈利能力的探讨能够推动我国金融体系的良好发展，进而促进我国宏观经济的高效运 行。所以，对建行的盈利能力分析具有重要意义。因此，本文选取了建行相关财务数 据和同期GDP、CPI相关数据，样本期间为2010年1季度至2019年3季度，共39 个样本。通过建立多元线性回归模型进行实证分析，再根据实证分析结果提出增强中 国建设银行盈利能力的建议。 实证分析结果表明：国内生产总值、不良贷款率、资产总额短期内会对中国建设 银行总资产收益率（ROA）产生影响。以实证分析结果为参考提出以下建议：从外部 角度来说，一方面要多渠道加强与互联网公司的交流与合作，实现合作共赢；另一方 面要要不断加强对经济周期的预判和前瞻性，顺应经济周期。从内部角度来说，要做 到以下四点：一是优化资产规模，实现规模经济；二是强化资产管理，优化贷款质量； 三是加强风险管控，保证资本充足； 关键词：中国建设银行 盈利能力 影响因素 实证分析 III Abstract It has been 12 years since the 2008 global financial crisis. In the past ten years, commercial banks in various countries have been constantly revised and developed, and China's banking industry is in a good state of development. At the same time, the risks and challenges faced by the banks of China should also be noticed. From the international point of view, from 2006 to 2019, foreign banks has being entering the Chinese market since the continuous improvement of China's opening-up level. At the same time, the entry of foreign banks brings challenges as well as opportunities.Banks of foreign countries have advantages when compared with Chinese commercial banks in capital operation, management system and innovation ability. Compared with foreign banks, Chinese commercial banks has many imperfections. From the domestic point of view, the continuous growth of Internet financial scale is also affecting the profitability of commercial banks. For instance, the Internet Commercial Bank , which was set up in June 2015, has entered the 881 position of the top 1000 global banks in 2019 after only four years’ development. Obviously that Internet finance development has also brought impact to traditional commercial banks. CCB takes the leading position in China and even the world bank system. The discussion on the profitability of CCB can promote the sound development of China's financial system as well as the efficient operation of China's macro-economy. This paper selects the relevant financial data of China Construction Bank and GDP and CPI data of the same period. The sample period is from the first quarter of 2010 to the third quarter of 2019, a total of 39 samples. Through the empirical analysis of multivariate linear models of these samples, suggestions to enhance the profitability of China Construction Bank will be put forward The empirical results show that GDP, NPL ratio and total assets will have an impact on the return on assets (ROA) of China Construction Bank in the short term. Based on the empirical analysis results, the following suggestions are proposed: from the external point of view, firstly, it is necessary to strengthen the communication and cooperation with Internet companies through multiple channels to achieve win-win cooperation; Secondly, it is necessary to continuously strengthen the prediction and foresight of the economic cycle and to conform to the economic cycle. From the internal point of view, following measures should be taken: firstly,scale of assets should be optimized to achieve economies of scale. IV Secondly,asset management should be strengthened to optimize quality of loans. Thirdly,risk management should be strengthened to ensure return on asset.。。。。。。以下内容略