银行业收入结构:美国、德国和中国的一项比较研究

Income Structure Research on American,German and Chinese Banking

运用均值-标准差分析方法,本文对美国、德国银行业及其代表性银行近几十年的利息收入、非利息收入及非利息收入占比数据,尤其是金融危机以来的数据进行了实证分析,对其背后的制度原因进行了研究。本文发现,国际银行业非利息收入占比都经历了持续增长过程,这期间投资银行业务收入在非利息收入中的占比不断上升;增加非利息收入占比可以提升商业银行的业绩,但并不能降低银行的经营风险,因为非利息收入并不比净利息收入更稳定。结合中国银行业收入结构的现状及特征,本文从中总结了相应的启示。

The paper analyzes those time series data about interest income and non-interest income of America and German banking, discovers the trend and characters of non-interest income ratio and non-interest income composition. It draws a conclusion that net interest income is more stable than non-interest income. With the combination of the analysis of China banking income structure, the author gives some suggestions for non-interest income business development of China banking.