Study On Relation Of Commercial Banks’ Non-Interest Income And Business Performance

With Chinese further opening-up and financial system reform, Chinese commercial banks are facing more and more problems and pressure. Due to the continuous expansion of Chinese financial market opening to the outside world and continue to introduce more and more foreign banks capital, all over the domestic non-bank financial institutions and organizations are also constantly rising and flourishing. In addition, in recent years, the Commercial Bank of our country is affected by factors such as financial disintermediation phenomenon, therefore, commercial bank spreads simply rely on bank interest income and loan has been unable to maintain the original level of profitability. At present, Chinese commercial banks began to adjust the structure of revenue, expand to take various measures to promote the non-interest income business, in order to improve the performance of commercial banks.This paper begins with the definition and classification of non-interest income, characteristic, for the definition and characteristics of non-interest income, and introduces the definition of business performance, and takes the risk management theory, theory of diversification, the scope of economic and financial innovation theory as the foundation, to promote the development of commercial bank non-interest income are elaborated in detail. In this paper based on the experience of the domestic and foreign commercial bank industry development strategy based on reference related information, relativity of non-interest income and business performance, the influence of the fee and commission income and business performance correlation are analyzed in theoretical assumptions, which laid a foundation for empirical analysis. In the part of empirical analysis, select the financial data of10listed commercial banks in the end of2007to2012as samples, the non-interest income on the relationship between the performance of commercial banks and regression analysis. Analysis results show that, when the non-interest income does not cause commercial banks operating cost greatly increase, non-interest income in order to improve the performance of commercial banks. At the end of the paper, the commercial bank non-interest income to promote business performance and puts forward some suggestions and countermeasures. In this paper, through the analysis the non-interest income of commercial bank, for commercial banks to develop their own non-interest income strategy; conducive to commercial banks through the correlation of understanding and awareness, awareness of its importance for a sustainable development of the industry and competitiveness; it is conducive to the sustainable development of the commercial banks, in order to promote the development of the economy of our country.