商业银行非利息收入影响因素分析——以我国四大商业银行为例

Analysis of influence factors of commercial bank non interest income——with the big four commercial banks in China as an example

本文以我国四大商业银行2002至2011年的数据为样本,实证分析了商业银行非利息收入的影响因素。结果发现:非利息收入的大小与银行的经营管理水平、存款占总资产的比重、银行的规模、国内生产总值显著正相关,与贷款占总资产的比重以及货币供应量显著负相关;手续费收入仍是我国非利息收入的重要来源。未来大力发展非利息业务应是我国商业银行的战略重点。

in this paper, the big four commercial banks in China from 2002 to 2011 as the sample, an empirical analysis of the factors affecting the non interest income of commercial banks. Results： significant positive correlation in the size of the non interest income of bank management level, the deposit proportion of total assets, bank scale, gross domestic product, a significant negative correlation with loans accounted for the proportion of total assets and money supply; an important source of fee income in China is still non interest income. Future development of non interest business should be the key strategy of commercial banks in china.