非利息收入对中美商业银行收益和风险的影响

The Influence of Non-Interest Income on the Earnings and Risks of Chinese and American Commercial Banks

本文从中美比较的视角,分析中美商业银行非利息收入业务现状,通过建立实证模型研究非利息收入对商业银行经营收益和经营风险的影响,探讨不同影响的原因。研究表明:非利息收入对中美商业银行经营收益和经营风险的影响不同,无论是在中国还是在美国,非利息收入的增加会提高商业银行的经营收益,非利息收入与中国商业银行的风险正相关但不显著,而在美国,商业银行非利息收入的增加会显著地降低其风险。监管部门和商业银行应关注非利息收入业务的风险,完善非利息收入业务管理机制。

From the comparative perspective of China and the U.S., this paper analyzes the status of the non-interest income business of commercial banks in China and the U.S., and constructs an empirical model to test the influence of the non-interest income on the operating earnings and operating risks of commercial banks, and analyzes the causes of different influences. The results of the paper show that the influence of non-interest income on the operating earnings and operating risks of commercial banks in China is different from that in the U.S., and the increase in non-interest income will improve the operating earnings of commercial banks in both China and the U.S.; non-interest income positively related to the risks of commercial banks in China,but the relevance is not significant; but in the U.S., the increase in non-interest income of commercial banks significantly reduce risks. Regulatory authorities and commercial banks should pay attention to the risks of non-interest income business, improve the management mechanism of non-interest income business.