Non-interest Income Business And Its Effects On The Risk Of Commercial Banks

WithWith the completion of the marketization of domestic interest rates,the fierce competition in the financial market,the deep integration of science and technology and finance,and the increasing financial disintermediation,the profitability of the traditional deposit and loan model of commercial banks has been squeezed.In response,commercial banks have expanded their income channels,and have stepped up their efforts to develop non-interest services such as agency services,consulting and consulting,securities underwriting and investment banking,and asset securitization,with a view to optimizing revenue through multiple integrated operations.Structure,realize its own strategic transformation and development in the new market environment.However,this has also led to the thinking of the academic community on the "risk of non-interest income business development on commercial banks." In view of this,through theoretical analysis and empirical research,this paper explores the changes in the risk of commercial banks when they expand non-interest business,and thus how the profitability and risk of commercial banks in China when implementing multiple and integrated operations and non-interest business operations Seek the best balance for reference.This article introduces the concept of non-interest income and current development status,and builds a multiple regression model based on domestic and foreign research literature and relevant theoretical analysis.It selects the annual data of 18 A-share listed commercial banks from 2006 to 2017.The impact of various businesses in the non-interest business and its internal structure on the risk of commercial banks,and reached the following conclusions:(1)The increase in the overall proportion of non-interest business income in operating income can effectively reduce commercial bank risk The degree of concentration plays a role in diversifying the risk of commercial banks;(2)The proportion of fee and commission income in operating income is negatively correlated with the risk of commercial banks,that is,the increase in the proportion of fee and commission income helps to disperse banks.Risk;(3)There is a positive correlation between the proportion of investment incomeand the risk of commercial banks,that is,the increase in the proportion of investment income will increase bank risk;(4)Other non-interest income including gains and losses from fair value changes,exchange gains and losses The relationship between proportion size and bank risk is not significant,but it exists with commercial bank risk.Related income share of the increase will enlarge the risk of commercial banks.Based on the research conclusions of this paper,we propose to further optimize the non-interest income structure,moderately develop and enhance the operational efficiency of non-interest-bearing businesses.In particular,the highest percentage of non-interest-related business fees and commission income services need to be labor-intensive in the past.Based on business such as settlement and settlement,it will continue to expand into knowledge-skilled and innovative businesses such as investment banks,combine the bank’s own resource advantages,and transform itself into characteristic specialized operations,creating non-interest-income businesses with its own characteristics;When dealing with gains and losses,the company should also be prepared to deal with market fluctuations in risk management.To reasonably control the scale of non-interest business and its proportion in revenue,promote the optimization of internal structure,and achieve the best balance between income structure and risk management and control.