手续费及佣金收入与中小银行绩效

Fee and Commission Income and the Performance of Small and Medium-Sized Banks

本文采用2004～2013年中国90家中小商业银行的数据，实证分析手续费及佣金收入对银行绩效的影响，以及中型银行与小型银行间可能存在的差异。研究表明：手续费及佣金收入会显著改善银行绩效，并提高绩效稳健性；手续费及佣金收入与银行绩效、绩效稳健性存在显著的倒U形关系；有别于全样本银行和中型银行，小型银行的手续费及佣金收入对银行绩效的影响并不显著。

In this paper, the data of Chinese 90 small and medium-sized commercial banks during 2004-2013 are used for the empirical analysis of the influence of fee and commission income on the performance of banks, and the possible difference between medium-sized banks and small banks. The results of the paper show that the fee and commission in- come can obviously improve the performance of banks and the robustness of performance; there is a significant inverted U-shaped relationship between the fee ＆ commission income and the performance of banks/robustness of performance; unlike the whole bank samples and medium-sized banks, the fee and commission income of small banks don＇t signifi- cantly impact the performance of banks.