The Study Of The Effect Of Non Interest Income On Bank Risk Of Listed Commercial Banks In China

With the gradual marketization of interest rate,the rapid development of direct financing market,Competition intensifies and the increasing pressure of Economic downward trend,the profit of the domestic commercial Banks narrows gradually,the profitability of the traditional Assets and liabilities business was shocked to a certain extent,in order to expand new profit space,developing non-interest business positively becomes the best choice inevitably.Commercial Banks in China learn from the successful experience of western developed national banks,accelerate the business transformation,develop the non-interest business,by the end of 2015,our country banking accounts for non-interest income ratio has reached 26%,which is almost twice as many as in 2005,and in recent years,our country's commercial bank's non-interest income growth has gradually became more than interest income growth,the growth momentum is very strong.In this rapid development,our country's non-interest business development gap between Banks exist big,non-interest income structure is imperfect,the correlation of interest income and non-interest income is largerand so on.Based on the existed academic information on the basis of a brief review,analyzing from the aspects of the theory of non-interest income on Banks' risk,and income volatility and correlation in the commercial bank and the contribution of each component in operating revenue volatility for further analysis,laying the groundwork for the following empirical analysis.In the empirical part,this article first from the perspective of different attributes,bank of the proportion of non-interest income in operating income of bank risk and the empirical analysis;Secondly to further decomposition of non-interest income,probe into its component on the relationship with risk.The empirical results show that the state-owned commercial Banks and joint-stock commercial Banks carrying out the non-interest business helps banks spread risk,and the effect of joint-stock commercial Banks is better than the state-owned commercial Banks,and city commercial bank non-interest income effect is not ideal,should be prudent.And through the study of the decomposition of non-interest income analysis,found the fees and commissions business develops relatively good and and account for the largest part,brings positive influences to the risk of commercial banks,while volatility of the other four parts remains high,the effect is not very ideal.On the basis of theoretical analysis,combining the empirical analysis results,the article puts forward the following Suggestions:commercial Banks should be aimed at their scale and professional advantages,not develop of non-interest business blindly,develop according to their own situation step by step,have to to find businesses which not only full play to their own advantages but the risk is also relatively small;At the same time,The bank should continue to enrich non-interest business types,optimize the structure of non-interest income,pay attention to personnel training,improve the management system of non-interest income.