皖东农村商业银行非利息业务发展研究

On the Development of Non-interest Income of East Anhui Rural Commercial Bank

对近年来商业银行经营呈现传统存贷款业务下降,非利息业务比重日益增加等现象进行了分析,面对我国金融业对外开放的竞争压力,以及金融脱媒现象和利率市场化的冲击,商业银行日益重视并拓展非利息业务,在这样的背景下,研究皖东农村商业银行的非利息收入发展状况对江淮分水岭地区有着重要的意义。借用马克维茨的资产组合理论,把营业收入看成一项资产,区分了利息净收入与非利息收入,发现非利息收入占比营业收入下降而且营业收入、非利息收入波动性均较大。

During recent years, the income of the commercial bank had changed and the ratio of non-inter- est income increased quickly, but the banks＇ traditional business as deposit and loan decreased. Under this background, it is meaningful of the research on non-interest income of East Anhui Rural Commercial Bank for Jianghuai Watershed area. With the Portfolio theory of Markowitz, the operating income as an asset for distinction between the net interest income and non-interest income, it discovered the proportion of non-in- terest income decreased, and a greater volatility of interest income and non-interest income.