我国商业银行非利息收入的影响因素探析

Study on the Influencing Factors of Non-interest Income of Chinese Commercial Banks

运用2008-2014年我国120家商业银行数据,分别从宏观和微观两个视角分析了商业银行非利息收入的影响因素。研究发现:宏观因素对非利息收入有显著影响,GDP、M2以及CPI都与非利息收入占比呈现负相关关系,说明经济增速快而宏观调控不及时、货币供应量增加及物价上涨会导致实际货币购买力下降,从而降低银行的非利息收入占比。微观因素上对银行非利息收入影响最显著的是银行的资产规模;相比不良贷款,银行呆账准备金作为银行风险的代理变量更合理;银行管理费用对非利息收入占比的影响不显著。

Based on the data of 120 Chinese commercial banks from 2008 to 2014, this paper analyzes influencing factors of their non - interest income from macro and micro perspective respectively. The results show that macro factors affect non - interest income significantly. The ratio of non - interest income of Chinese commercial banks is negatively affected by GDP, money supply and CPI, which implies money supply increase and inflation of prices will lead to decreasing of money purchasing power so as to decrease the ratio of non - interest income of commercial banks when the growth of economy is fast while macro - control is not timely. As to micro factors, the most significant factor of non - interest income is asset scale of Chinese commercial banks. Compared to non performing loan, it is more suitable to use the allow-ance for doubtful accounts as the agent of bank＇ s risk. In addition, the operating expenses of the Chinese commercial banks have no significant effect on the ratio of non - interest income.