银行的收入结构和风险

Income Structure and Risks of Banks

本文利用2007年以前在中国A股市场上市的14家商业银行5年的数据,研究银行转型中银行风险和收入的分散化的关系。结果表明,随着商业银行营业收入中非利息收入占比的提高,会使收入风险加大。所以,在我国现阶段的金融环境下,商业银行需要在控制好经营风险前提下,合理经营多元化收入业务。

This paper investigates the relationship between bank risks and product diversification in the changing structure of China banks, based on 5 years data of China banks which were listed in the A-share market in China be- fore 2007. It shows that banks expanding into non-interest income activities presents higher risks. So in the current fi- nancial environment, commercial banks need to control the bank risks when they expand the type and scope of the di- versified business.