The Development Strategy Research Of China’s Commercial Banks’ Non-interest Income Business

The income of China’s commercial banks mostly relies on traditional interestincome, the proportion of non-interest income to total operating income is low. Howto develop non-interest business, which is particularly urgent.Firstly, this paper makes clear the concept of non-interest income throughdistinguishing the relationship between non-interest income and net interest income,middle business income and sheet business income, and introduces the characteristicsof non-interest income, non-interest income theory and dynamical systemstheory.Secondly, the paper analyzes the development situation of China’s commercialbanks’ non-interest income and raise its problems by annual data of16commercialbanks in2005-2012, also introduces the development situation of non-interest incomein developed countries commercial banks and sums up the development experience ofits non-interest income.Then combined with the author’s internship experience for50staff survey resultsin Industrial Bank Foshan Branch, the paper finds the factors in the business incomeof China’s commercial banks’ non-interest income constitutes, and characterizes thegrowth upper base model of these factors by using system dynamics theory, andanalyzes the causal relationship between the various circuits and presents the measurefundamental mode of each subsystem of China’s commercial banks’ non-interestincomes by learning from the development experience of non-interest income inforeign commercial banks.Finally, based on the above analysis and the combination to the current situationand the problems of China’s commercial banks’ non-interest income, the paperproproses detailed suggestions to further expand non-interest income.