An Empirical Study Of The Impact Of Non-interest Income On The Performance Of Commercial Banks

In recent years, our country commercial bank through various measures to carry out the non-interest business, non-interest income has become an important means and methods of the commercial bank profits. Worldwide the non-interest income of commercial Banks accounted for over 20%, individual commercial Banks has reached 70%. By contrast, non-interest income of commercial Banks in China is still in its initial stage, most of the commercial bank interest income at about 15%, the ratio of non-interest income of commercial Banks have more space for development. So the non-interest income of commercial Banks and commercial Banks operating performance of the discussion of the relationship between theory is still at the stage, and there is no strong evidence to prove the non-interest income of commercial Banks the impact on the business performance is positive or negative.Since China’s reform and opening up, along with our country banking business income structure, great changes have taken place, the proportion of non-interest income increases year by year, the bank’s operating income is plural form, however, non-interest income in diversification benefits to the bank at the same time, whether to increase the risk of bank management, the problem is more and more attention. Commercial bank development of non-interest income business’s main purpose is to through expanding sources of income and scope, to improve the business performance. The purpose of this study is to explore the bank non-interest income and the relationship between the bank’s performance, it is generally belieyed that Banks’ non-interest income increased bank performance was improved, non-interest income business performance is positive correlation with the bank, on the other hand, argue that non-interest income business performance is negative correlation with the bank. In this paper, combined with domestic and foreign scholars about the non-interest income business performance with the bank’s point of view, M bank nearly ten years of data, through the regression analysis, come to the conclusion, puts forward some countermeasures and Suggestions.