The Influence Factors Of The Listed Banks' Non-interest Income Analysis In China

In international financial markets,interest rate market,under the circumstances,"Internet +" mode,the difference between the traditional deposit and lending business profit point of China's banking sector is being reduced,in order to maintain their profit levels and to further meet diverse customer financing Demand and non-interest income business development has become a new trend in the development of China's banking industry.In the past literature,most of the influencing factors are concentrated on the banks themselves,but the impact of macroeconomic factors on non-interest income business is rarely studied,If we can study which micro-factors and macro factors have a significant impact on non-interest income,positive impact on the factors to develop,the negative impact of factors to focus on circumvention,we will make the bank non-interest income further increased.This paper analyzes the definition,classification,characteristics and development of non-interest income from the qualitative and quantitative aspects,and summarizes the non-interest income of commercial banks on the basis of the analysis of the non-interest income of commercial banks And the relationship between the influencing factors and the non-interest income is obtained by using the panel data model and the time series multiple regression model to quantitatively analyze the sample data.This paper is divided into six parts,the first part is the background and significance of this study to briefly discuss the current domestic and foreign literature to sort out and put forward the innovation and shortcomings of this article.The second part analyzes the definition of non-interest income from both domestic and foreign perspectives,and classifies the noninterest income business,and points out the characteristics of non-interest income in China.The third part analyzes the present situation of non-interest income from four aspects: the total amount of non-interest income,the total growth rate,the proportion of operating income and the internal income structure in order to better analyze the influencing factors.The fourth part analyzes the influencing factors of non-interest income,and points out that the micro-factors are the scale of the bank's assets,the profitability of the traditional business,the level of cost control and the loan-to-deposit ratio.The macro factors are the level of domestic economic development,Changes in the capital market situation and changes in the foreign exchange market.In the fifth part,theempirical analysis is carried out on the above factors.The microscopic part uses the panel data model and the macroscopic influencing factors to use the time series multiple regression model.Finally,the scale of bank assets,the level of domestic economic development,the change of capital market situation and non-interest income the relationship between the profitability of the traditional business,the profitability of the traditional business,the level of cost control and the change of the foreign exchange market are negatively correlated with the non-interest income.The deposit and loan ratio and the change of the money market interest rate are not significant under the existing sample data.The sixth part summarizes the above results and gives relevant suggestions on this basis.