我国商业银行非利息收入影响因素的实证分析

An Empirical Analysis of the Influencing Factors of Non-interest Income of Chinese Commercial Banks

我国商业银行非利息业务增长迅速,已经成为增加营业收入、获取利润的重要来源。以具有代表性的10家商业银行作为样本,对商业银行非利息收入的影响因素进行实证分析,并对国有大型银行与中小型银行展开对比研究,结果显示:核心存款、贷款数量、费用控制能力、资产规模是影响银行非利息收入的基本因素;如果银行更关注吸收存款传统业务,则非利息收入的发展会受到一定限制;规模较大的银行更容易实现非利息收入高速增长;影响国有大型商业银行非利息收入的主要因素是资产收益率、核心存款占比,影响中小股份制商业银行非利息收入的主要因素是贷款数量、费用控制能力、资产规模。

Non-interest business of commercial banks in China is growing fast and non-interest income has become an important source of increasing profit. The paper, taking 10 typical listed commercial banks as samples, makes an empirical examination on the influencing factors of non-interest income of commercial banks and, furthermore, makes a comparative study on the large state-owned banks and small and medium-sized banks. The results of the paper show that core deposits, loans, cost control ability and asset size are the basic factors affecting bank＇s non-interest income; the banks which pay more attention to traditional deposits business are limited in developing non-interest income; the larger banks are easier to keep high speed in- crease on non-interest income; return on assets and core deposit proportion are the main factors influencing the non-interest in- come of the large state-owned commercial banks, whereas for the small and medium-sized joint-stock commercial bank, the main influencing factors are loan, cost control ability and asset size.