The Effect Of Non-interest Income On Risk Of Listed Banks In China

In 2016,the traditional interest income business in China's banking industry achieved negative growth for the first time in ten years.In the environment of the narrowing of the traditional loan spreads and the increasingly tense market capital,the non-interest income business occupying the small economic capital of the commercial banks is being paid more and more attention,and the proportion of the total operating income is increasing,the non-interest income business is steadily increasing and the profit level of the commercial banks of our country is raised.However,due to the innovation and leveraging of non-interest income business,the lag of regulatory policy has also brought certain risks to commercial banks.This paper selects "the non-interest income value of the listed commercial banks in China for 2007-2016 years" as the sample,and uses the panel regression model to analyze the relationship between the non-interest income business and the commercial bank risk,so as to provide reference for the improvement of the bank's internal risk management system.On the basis of literature review and theoretical analysis,the paper defines the concepts of non-interest income and risk of listed commercial banks,analyzes the risk transmission mechanism of non-interest income business,the development status of non-interest income and the main problems existing at the present stage.Then,the panel data model is established,and the relationship between the components of the non-interest income and the risk of commercial banks is analyzed in accordance with the classification of the fee and commission income,the investment income,the remittance income and the change income of the fair value.From the results of the study,we can see:(1)the non-interest income of the listed commercial banks in China has developed rapidly in 2007-2012 years;and after entering 2013,the development rate of non-interest income drops after the new economic normal period,but the volatility is still larger than the net interest income;(2)in the classification of non-interest receipts,the fee and commission income The development of business has increased the ability of commercial banks to resist risk,and the volatility of investment returns and fair value returns increases,and the increase in the proportion of the account increases the risk of the bank.(3)overall,the development of non-interest income business by listed commercial banks reduces the risk of listed commercial banks.the optimization of the development structure of non-interest income business and the development of investment business on the premise of establishing and improving the risk prevention mechanism.