Commercial Banks’ Income Structure Comparison Research On The Commercial Bank As Example

Commercial bank’s profit depends on the structure of income, but our country commercial bank income rely on the spread, but with the financial disintermediation and the marketization of interest rate’s influence extends continuously, the income structure is changing too, therefore, how the income structure change on the impact of commercial banks has become particularly important.This article through to the commercial bank income sources were analyzed, and the16listed commercial bank as example the commercial banks’ income structure specific decomposition for interest income and non interest income, and the two kind of income to do the specific analysis and research. Based on the typical foreign commercial banks’income structure carries on the analysis comparison, found the foreign advanced commercial banks non interest income ratio is much higher than that of the Commercial Bank of our country, we have made concrete analysis, find the enlightenment to us. Then based on the income structure of our commercial banks are descriptive statistics analysis, and the16listed commercial bank is divided into state-owned banks, national joint-stock commercial banks, city commercial banks three specific comparative analysis, think our country commercial bank income source mainly interest income, but different types of commercial bank income structure is the same, and the difference has made the concrete analysis and comparison. Finally, based on advanced foreign commercial banks’ income structure the enlightenment to us and our country commercial bank oneself characteristic, put forward to optimize the credit structure, expand the intermediate business, regulate the internal management, to accelerate product innovation, improving the income structure of our commercial banks related suggestions.