非利息收入对农村商业银行经营绩效研究——基于面板数据模型

Research on the Influence of Non-interest Income on the Operating Performance of Rural Commercial Banks——Based on the Panel Data Model

利用中国5家农村商业银行2008-2018年的面板数据,来分析非利息收入占比对经营绩效的影响。结果表明,我国农村商业银行的非利息收入对总资产收益率的影响较为显著,非利息收入占比提升对经营绩效有较大负向影响。农村商业银行应该在稳健提升非利息收入占比的同时合理控制成本,注重非利息收益和成本的协调,优化业务结构,从而促使非利息收入对商业银行产生更大的良性影响。

This paper used the five rural commercial bank of China in 2008-2018 panel data to analyze the non-interest income ratio on the operating performance. The results showed that the non-interest income of rural commercial banks had a significant impact on the return on total assets, and the increase of the proportion of non-interest income had a significant negative impact on the operating performance. Rural commercial banks should steadily increase the proportion of non interest income, and at the same time,reasonably control costs and optimize business structure, so as to promote the positive impact of non-interest income on commercial banks.