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CN 51-1675/C

李泉, 延莉莉. 非利息收入对商业银行经营绩效影响的实证研究——基于中国16家上市商业银行2005—2012年的数据分析[J]. 西华大学学报(哲学社会科学版), 2014, 33(1): 62-65.
引用本文: 李泉, 延莉莉. 非利息收入对商业银行经营绩效影响的实证研究——基于中国16家上市商业银行2005—2012年的数据分析[J]. 西华大学学报(哲学社会科学版), 2014, 33(1): 62-65.
LI Quan, YAN Li-li. An Analysis of China's Listed Commercial Banks Performance and Its Non-interest Income—Based on the Data of 16 Listed Commercial Banks of 2005-2012[J]. Journal of Xihua University (Philosophy & Social Sciences) , 2014, 33(1): 62-65.
Citation: LI Quan, YAN Li-li. An Analysis of China's Listed Commercial Banks Performance and Its Non-interest Income—Based on the Data of 16 Listed Commercial Banks of 2005-2012[J]. Journal of Xihua University (Philosophy & Social Sciences) , 2014, 33(1): 62-65.

非利息收入对商业银行经营绩效影响的实证研究——基于中国16家上市商业银行2005—2012年的数据分析

An Analysis of China's Listed Commercial Banks Performance and Its Non-interest Income—Based on the Data of 16 Listed Commercial Banks of 2005-2012

  • 摘要: 长期以来,中国商业银行主要依靠传统的存贷利差作为收入来源。随着金融体系的变革和国内外银行业竞争的加剧,商业银行逐步改变了传统盈利模式而转向拓展非利息收入并寻求更为广阔的收入空间。本文选取中国16家上市商业银行2005—2012年的相关数据,通过构建数据模型对非利息收入与银行经营绩效的关系进行分析,结果显示:非利息收入对国有商业银行的盈利能力产生并不显著的正效应,而对股份制商业银行产生显著的负效应。因此,在积极防范风险的前提下,通过市场创新降低运营成本,主动拓展支付结算、委托代理业务之外的其他收入并不断优化非利息收入业务结构,对于提升商业银行的盈利能力和经营绩效至关重要。

     

    Abstract: For a long time, the commercial banks of China mainly rely on traditional spreads as a source of income. However, in recent years, along with the changes of the financial system and competition between domestic and foreign banks, commercial banks are actively seeking a broader source of income, and vigorously expanding non-interest income has become the main target of each big commercial bank. But improving non-interest income proportion can increase the profitability of commercial banks that still need to be studied in-depth. So this paper selects data from 16 listed commercial banks from 2005 to 2012 as a sample. By constructing data model for the relationship between non-interest income and bank business performance is analyzed. The analysis concludes that the non-interest income on the profitability of the state-owned commercial banks have not attained significantly positive effect, while having significantly negative effects on joint-stock commercial banks.

     

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