Fourth, to obtain a reasonable profit level is the inherent power of the commercial banks to engage in lending activities. Specific may reflect some of the lowest income for the bank's capital must be obtained from each loan. With the establishment of the modern commercial banking system in China, China Business The banks have a clear relationship between ownership and ask for a certain return on investment. banks must decomposition rate of return on capital, to determine the target profit should be included in the income of each loan, the specific reference to the following formula: