我国商业银行非利息收入与绩效关系研究

On the Relationship between the Non-interest Income and Performance of China's Commercial Banks

本文选用2000—2010年14家上市商业银行数据作为研究样本,考察了商业银行非利息收入与银行绩效之间的关系,并将非利息收入细分为手续费及佣金收入与其他业务收入,进一步研究对银行绩效的影响。回归结果显示,非利息收入份额与资产收益率(ROA)存在不显著的负向关系,手续费和佣金收入份额与资产收益率(ROA)为显著的正相关关系,而其他业务收入份额却与资产收益率(ROA)有显著的负相关关系。

Taking samples from fourteen of the listed commercial banks of China during 2000 to 2010,this paper studies the relationship between the banks' non-interest incomes and their performance.By dividing the non-interest incomes into fees,commissions and other business incomes,it makes further study on the impacts of non-interest incomes on the banks' performance.The regression results indicate that there is no significant negative correlation between non-interest incomes and ROA.A significant positive correlation exists between fees,commissions and ROA while a significant negative correlation functions between other business incomes and ROA.