摘要
利率市场化进程的持续推进、电子信息技术进步带来的行业竞争日益加剧、资本市场的迅速发展和监管制度的进一步完善无疑为非利息收入业务的发展提供了契机。本文在查阅了大量学者研究文献的基础上，多角度分析了我国商业银行目前非利息收入业务的开展情况，然后选取可能影响非利息收入业务发展水平的5个影响因素，取样2007—2014年15家上市银行的相关数据．借助面板数据回归模型进行相关分析。
The continuous progress of interest rate marketization, the increasing competition of electronic information technology industry, the rapid development of capital market and the further improvement of supervision system will undoubtedly provide an opportunity for the development of non-interest income business. On the basis of consulting a large number of scholarly research literatures, this paper analyzes the current non-interest income business of commercial banks in China, and then selects five influencing factors that may affect the development of non-interest income business. The data of the listed banks are analyzed by panel data regression model.
关键词
商业银行规模
非利息收入占比
成本控制能力
commercial bank scale
non - interest income ratio
cost control ability
