A Research Of The Relationship Between Non-interest Income And Profitability Of Commercial Banks

In recent years,with the rapid development of interest rate marketization and the increasing degree of financial disintermediation,the traditional profit model of commercial banks in China is confronted with the severe situation.The enormous pressure of narrowing spreads has forced many commercial banks to embark on a transformation of their revenue business structure,through their commitment to developing non-interest business to meet the challenges that are under way.And whether the profitability of China's commercial banks can be promoted through the development of non-interest income,more in-depth research and analysis is needed.In recent years,scholars in China have been studying the relationship between non-interest income ratio and bank profitability,but there is no uniform and accurate conclusion.Based on the previous research results,this paper divides the non-interest income business into five parts and analyzes the relationship between the non-interest income ratio and return on assets of the three types of commercial banks by using sample descriptive statistical analysis,scatter plot,correlation analysis and significance test.Then it concludes that the non-interest income is positively correlated with the profitability of commercial banks,and the relationship between the various components of non-interest income and the return rate is different.In the end,based on the analysis results,according to different bank sample categories,the author puts forward some suggestions on the development of non-interest income ratio: China's commercial banks,on the basis of grasping the proportion of reasonable non-interest income,further innovate the non-interest income business and balance the relationship between interest income and non-interest income,multidimensional,multi-level,Three-dimensional to improve the profitability of our commercial banks,at the same time,to implement a differentiated strategy for the non-interest income business,the five components of the non-interest income business also implement the differentiated strategy.