非利息收入对上市商业银行经营绩效的影响研究

Research on the influence of non-interest income on the operational performance of listed commercial banks

近年来,各家上市商业银行的传统业务逐年下滑,但非利息收入都在持续增加。在利率市场化改革不断推进、互联网金融迅速发展以及全球商业银行的竞争日益激烈的情况下,我国上市商业银行的转型升级刻不容缓。文章采用了30家上市商业银行2012〜2020年的面板数据进行多元回归分析,实证检验了银行非利息收入占比等变量对经营绩效的影响。结果表明:非利息收入的占比对上市商业银行的绩效具有显著的正影响。商业银行应通过提高非利息收入占比、调整银行资产结构、降低不良贷款率等多种方式提高经营绩效,增强自身的竞争力。

In recent years,the traditional business of various listed commercial banks has declined year by year,but non-interest income has continued to increase.With the continuous advancement of interest rate liberalization reform,the development of Internet finance and the increasingly fierce competition among global commercial banks,the transformation and upgrading of my country's listed commercial banks is urgent.This paper uses the panel data of 30 listed commercial banks from 2012 to 2020 to conduct multiple regression analysis,and empirically tests the impact of variables such as the proportion of non-interest income of banks on operating performance.The results show that the proportion of non-interest income has a significant positive impact on the performance of listed commercial banks.Commercial banks should improve their business performance and increase their competitiveness by increasing the proportion of non-interest income,adjusting the bank's asset structure,and reducing the non-performing loan ratio.