中美商业银行非利息收入及其对经营绩效影响的比较研究

A Comparative Study of Sino-American Commercial Bank Non-interest Income and Its Effects on Operating Performance

面对国外商业银行混业经营优势与国内存贷款利率市场化,我国商业银行如何降低对存贷款利息差依赖,优化非利息收入结构,是一个热点问题。基于面板数据模型,选取有代表性的美国商业银行与国内商业银行为样本,比较分析其非利息收入构成与非利息收入对商业银行绩效的影响。结果表明,提高非利息收入占比对商业银行经营绩效有显著正向效应,但在不同发展阶段,其影响呈现的U型现象不同。中美商业银行收入构成不同反映了中美金融环境与经营理念的差异。基于此,建议商业银行在提高非利息收入的同时,应优化非利息收入结构。

In view of foreign commercial bank＇s mixed operation advantage and domestic interest rate marketiza- tion, it becomes a hot issue how China commercial banks reduce their reliance on deposit and loan interest and opti- mize the structure of non-interest income. Based on the panel data model and with typical American commercial banks and China commercial banks as samples, this study compares and analyzes the effects of non-interest income structure and non-interest income on commercial bank the performance. The results show that a non-interest income proportion increase has a significant positive effect on commercial bank operating performance, but the U phenome- non presented by the effect is different at different development stages. The different income structures between Sino -American commercial banks reflect the differences between Sino-American financial environments and management philosophy. Therefore, it is suggested that China commercial banks should optimize non-interest income structure while increasing non-interest income.