我国商业银行非利息收入及其影响因素研究.pdfVIP

摘要 近年来，我国非利息收入占营业收入的比重呈现快速增长趋势，到 2011 年 末，平均占比约为20% 。但相比西方国家商业银行来说，我国非利息收入占比比 重还比较偏低，处于非利息收入发展的初级阶段。手续费和佣金净收入仍然是我 国非利息收入的主要来源，且随着我国经济发展状况而波动。其他类型的非利息 收入波动性较高。 本文首先介绍了国内外的研究成果及发展非利息收入的动因，然后梳理了我 国非利息业务的发展历程，并总结了现阶段我国非利息业务的特点、机遇和挑战。 在实证部分，本文采用我国12 家商业银行2000-2011 年的相关财务数据，建立 面板数据的回归模型，研究非利息收入与其影响因素之间的关系。实证结果发现， 非利息收入与银行经营水平无关；与银行资产规模和净利息收益率呈正相关关 系；降低营业费用率，控制银行营业成本，有助于提高银行非利息收入；精简人 员规模，增强与存款客户的关系，能促进非利息业务的发展；手续费及佣金净收 入还是我国商业银行的主要来源。最后，本文对如何发展非利息业务提供了政策 建议。 关键词：非利息收入 银行经营管理 非利息收入结构 I Abstract Nowadays, the proportion of Chinas non-interest income to total operating income showed a rapid growth rate. By the end of 2011, the average proportion is about 20% . However, compared to Western countries, the proportion of non-interest income in commercial banks of China is still low. It is in the primary stages of development of the non-interest income. Net fee and commission income is still the main source of Chinas non-interest income. And it is influenced by the development of Chinas economic fluctuations. What else, other types of non-interest income are higher volatility. First, this paper introduces the domestic and international research and the theories of non-interest income motivation. Then, it sums up the developing progress of non-interest business of China’s commercial banks. Also, it sums up the characteristics of Chinas non-interest business in nowadays as well as the opportunities and challenges. In the empirical part, it selects 12 commercial banks samples, using the panel data from 2000-20 11 years to establish the regression model to examine the non-interest income and its influencing factors relationship. The research results show