Analysis On The Relationship Between Non-interest Income Of Commercial Banks And Performance In China

Many banks advanced Western countries have adopted a comprehensivediversified business model, vigorously carry out the proxy class businessexperienced a reform of financial liberalization in the1980s of the last century, thenon-interest fund custody business class business class services such as consulting,making Non-interest business has been rapid development, and has become one ofthe most important source of income for banks. However, due to various factors, themain source of income of the domestic commercial banks or from interest spreadsbrought. However, by further restructuring and reform of China’s economic system,the financial "disintermediation" of the deepening impact and compete with foreignfinancial institutions mature gradually intensifying, and many other factors, so thatdomestic banks deposit and loan spreads continued to narrow, Then simply rely ontraditional credit business as the main source of income has been unable to maintainthe original bank profitability. So in recent years, domestic commercial banks in theprocess of changing the business model and revenue structure adjustment, thevigorously expanding the scope of non-interest areas of the business, making theproportion of non-interest income showed a rising trend. However, increasing theproportion of non-interest income can effectively expand the bank’s profitability andreduce business risk this issue needs further verification. This article must thereforetake this opportunity to explore the relationship between commercial banks and theirnon-interest revenue between business performance.First, the beginning of the first chapter to be about the background andsignificance of the research paper, by reading the relevant literature at home andabroad to study the case of non-interest revenue to do some rough summary, andthen summarize their research and planning based on the content Select the formsand methods of research. With the results of previous studies to make a comparisonto find innovations and shortcomings of this article.The second chapter focuses on the objectives of the study, namely, non-interest revenue, conduct a detailed and systematic introduction. Not only in itself a clearconcept and characteristics of non-interest revenue, but also to the variouscomponents of its business is divided definition and scope of business concepts.Differentiate its relationship often confused between several business and provide atheoretical basis for the analysis behind.The third chapter, from the non-interest business development process, thestatus quo and external environment analysis of non-interest banking businessanalysis of the three major aspects of the country to introduce non-interest business’sdevelopment in detail. You can make the reader a clearer understanding of thenon-interest business development in China and the status of the specific reasonscausing this situation, in order to pave the way empirical research papers behind agreat background.The fourth chapter, according to the previous description, choose to representthe overall level of domestic banks listed16joint-stock commercial bankestablished as a sample panel data model, revenue from two aspects betweenindustry as a whole and various banks, non-interest business Income empiricalanalysis, and to obtain non-interest operating income has a positive impact on theoverall operating performance of the bank. And explain the rest of the non-interestrevenue Performance Bank is not clear why.The fifth chapter summarizes the results of empirical research earlier in thisanalysis, and policy recommendations for some reasonable conclusions aimed atenabling our non-interest revenue can form a great and stable development trend,and thus boost the income of the domestic banking sector the rapid development ofupward.