The Research On Non-interest Income Business Development Of Commercial Bank In China

With the developing of financial liberalization, financial integration and financialinternational technology, and more and more advanced financial technology is widely used,commercial banks in developed countries focus more attention on expanding variety ofnon-interest income business, setting off a world wide commercial bank in businesstransformation, non-interest income business has gradually developed into another profitgrowth beside the traditional credit spreads income.Over the years, traditional credit business is the major source of revenue in China’scommercial banks, non-interest income take a very low proportion of to total operatingincome. In recent years, in order to meet the deposit and loan spreads narrowing profitmargins narrowing of the status, China’s commercial banks began to attach importance to thedevelopment of a variety of non-interest income business, which will help China’scommercial banks consolidated operating to establish a competitive advantage in the future.Only accelerating business transformation can the commercial banks increase the intensity ofbusiness development and innovation, and in order to enhance their own strength andcompetitiveness to adapt to the market and create business, achieving its own benefit andsocial growth.The article first clear the concept and scope of non-interest income, and characteristicsof non-interest income, as well as the difference between contact between the intermediarybusiness revenue and balance-sheet business income. On development of non-interest incomeof commercial banks in China, the article also made a detailed exposition and development.Next foreign commercial banks non-interest income business development, and to find outsome can learn from the experience. Part in empirical research, selecting financial data of2005-2010on China’s16listed commercial banks as a sample, the relationship betweennon-interest income and bank performance, a panel regression analysis and concluded. Thearticle put forward some suggestions on China’s commercial banks to further expandnon-interest income in the last.