Research On The Status And Influencing Factors Of Non-interest Income Of Shanghai Pudong Development Bank

Interest rate market reform is deepening,especially in 2015,the central bank to cancel the deposit interest rate floating ceiling,indicating that the interest rate market has been basically achieved,the increasingly fierce competition between commercial banks.In recent years,housing purchase and other policies have been frequently introduced,commercial banks have been subject to various restrictions on loans.In addition,China's economic soft landing,the downward trend is facing the economy,commercial banks,deposits have also been a certain limit.Spreads continue to narrow,non-interest business has become the focus of commercial bank competition.During the 12 th Five-Year Plan,Shanghai Pudong Development Bank Group,integrated,international business in an orderly manner,its nearly ten years of non-interest income scale average of 12% in the steady development of non-interest business at the same time with the state-owned banks an average of 20% 30% of the level and at least 40% of the gap with the developed countries is also obvious.through the comparative analysis of the relationship between intermediate business and off-balance sheet business,non-interest income connotation and extension.In the part of the theoretical analysis,it is pointed out that the non-interest business of Shanghai Pudong Development Bank can be used as its new profit growth point,and explain the reasons why the Shanghai Pudong Development Bank's non-interest business is from the diversification theory,the range of economic theory and the portfolio theory.In the part of empirical analysis,the author analyzes the current situation of non-interest income of Shanghai Pudong Development Bank,including the composition,scale and direction of non-interest income of 2006-2015,and analyzes the causes of these present conditions In order to further analyze the specific impact of various factors on the non-interest income of Shanghai Pudong Development Bank,the fourth part of this paper collects the quarterly data of Shanghai Pudong Development Bank from 2007 to 2016,and analyzes the influencing factors of non-interest income of Shanghai Pudong Development Bank first test carried out smoothly,and the dependent variable was replaced in the process,in the course of the subsequent return to the variance inflation factor as the basis for a return of three times,the third time return for the final regression results,resulting in the conclusion : deposits assets of Shanghai Pudong development Bank's non-interest income than their maximum impact,due to the over-reliance on traditional business resulted in more deposits for the more loans,the less non-interest income for development;Shanghai Pudong development Bank's non-interest business growth is more sensitive to the exchange rate,the exchange rate improves,devaluation,and this will reduce Non-interest income,on the contrary will increase,which with its international business strategy are inseparable.Finally,in the sixth part of the article,current situation analysis and regression analysis showed the problems of Shanghai Pudong Development Bank to carry out the business of non-interest put forward specific proposals.