The Influence Of Non-interest Income On The Stability Of Bank Of Nanjing Is Studied From The Perspective Of New Capital Management Regulations

With the sustained promotion of interest rate marketization revolution,China’s commercial banks are confronting difficulties such as market competitions,increased risks and narrowing interset margin.Faced with the above difficulties,commercial banks began to change their business philosophy and gradually changed the business model of “eating interest margin”,and heavily expand the non-interest income business.In recent years,the new asset management has put forward strict requirements for asset management business,which has affected the development of non interest income.Meanwhile,the relationship between non-interest income and bank stability is also complex,so it is difficult to determine the specific relationship.Therefore,the passage studies the effects of non-interest income on bank stability from the view of new asset management regulations,and provides some proposals for the stable operation of commercial banks.The passage takes The Bank of Nanjing as the research object and the fourth quarter of 2007 to the third quarter of 2021 are taken as the research interval,mainly studying three aspects.First,this passage suggests the present situation of non-interest income and the effect of new asset rules on its non-interest income.Then,based on the camel evaluation criterion and China’s stability report of finance,the indicators affecting the stability of bank are chosen to measure the comprehensive level of operation stability by factor analysis method.Finally,by establishing multiple regression models to consider the effects of the non-interest income on the stability of The Bank of Nanjing from the perspective of new capital management regulations,and test the authenticity of the empirical conclusion.The viewpoints are as follows: non-interest income,handling fee income,diversification of income structure,the growth rate of GDP and money supply are positively relevant to the stability of banks.The issue of new management regulations,the scale of investment income and asset liability rate are negatively relevant to the stability of banks.Finally,suggestions are raised from the view of Bank of Nanjing and regulatory authorities to promote the steady of Bank of Nanjing.