净利息收入与非利息收入：增长性、波动性和相关性

The Relationship Between Net Interest Income and Non-interest Income:Views from the Growth,Fluctuation and Correlation

过去十多年间,美国商业银行业的非利息收入在总收入中的比重不断上升,收入量呈持续增长之势,非利息收入业务的发展对美国银行业务经营活动产生了深远影响。本文从增长性、波动性和相关性等三方面出发,对美国商业银行业的净利息收入和非利息收入进行全面对比分析,以期对我国商业银行发展非利息收入业务提供一些有益的启示。

In the past more than ten years the proportion of non-interest income in the gross income of American commercial banking industry has been continuously on the rise and the development of non-interest income business has brought about some far-reaching influences on American commercial banking industry. This paper makes a comparative study on net interest income and non-interest income of American commercial banking industry from the aspects of growth, fluctuation and correlation, with a view to gaining some helpful enlightenment to develop non-interest business for Chinese commercial banks.