| Along with the development of Chinese capital market and the expansion of thebanking business, the proportion of the interest income, which is the main source ofincome for commercial Banks, reduced year by year. While the proportion ofintermediary business has increased currently. Although the commercial Banks in ourcountry are in low degree of marketization and the proportion of intermediarybusiness income is small relative to the commercial Banks in developed countries, theproportion has been increased rapidly in recent years along with the develop of thecapital market, the financial production and the competition among the Banks in ourcountry, making great influence to the commercial Banks.This paper uses the data based on8commercial Banks in our country from thesecond quarter of2007to the first quarter of2013to study the structure and theinfluencing factors of the commercial Banks. In this paper, the author will make apanel data model. The explained variable of the model is the proportion of theintermediary business income. And the explaining variables are the logarithm of thetotal assets, the proportion of the loan to total assets, the return on equity and thecapital adequacy ratio. The paper uses empirical method to analyze the model andcarry on the validity check to get a conclusion and then put forward some policyrecommendations. The result shows that the total assets, the proportion of the loan tototal assets and the return on equity have positive correlations and bigger influencewith the non-interest income ratio; and between the capital adequacy ratio and thenon-interest income ratio, there is an unconspicuous negative relationship, whichillustrate the impact of capital adequacy ratio is not so obvious. At the and of thearticle, the author puts forward some policy advices, such as the commercial bankshould make clear the intermediate business position, perfect the mechanism andincrease the power of investment and innovation. |
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