Empirical Analysis Of Income Structure Of Chinese Commercial Banks Operating Performance Impact On Banks

In recent years, with the acceleration of interest rate market and the development of Internet banking, banks are facing a greater cost of interest income, banks are facing a greater challenge, and domestic commercial banks non-interest income in the whole business income is small, this paper is to face the challenge of interest income, non interest income business can become a new profit growth point, that is, the bank’s non-interest income and bank performance is a positive correlation. This paper firstly describes the background of the study of the non-interest income of the bank, the interest rate market and the rapid development of Internet banking, and explain the necessity of developing non-interest income in the present situation. This paper is divided into three aspects:non-interest income and bank performance are positive correlation, non-interest income and bank performance are negative correlation between non-interest income and non-interest income on bank performance. The theoretical reference is diversification theory and the theory of financial innovation, especially the non interest income to redefine and off balance sheet business is a part of the intermediate business, intermediate business is a part of non interest income business, non-interest income in general can at least point fee and commission income, investment income, fair value changes the gains and losses, foreign exchange gains and other business income. In the third part of the article, the current status and characteristics of non interest income business, the absolute amount of non interest income in domestic commercial banks is increasing, the proportion of business income is also increasing, but the proportion of non-interest income in the state-owned commercial banks, joint-stock commercial banks and local commercial banks have a big difference, the other non-interest income business in the bank’s business income accounted for a large difference. In the empirical part,34 commercial banks, including 5 state-owned holding commercial banks,11 non state-owned holding commercial banks and 18 local commercial banks, are improved in order to meet the layout of the current domestic commercial banks. On the basis of previous studies, the model is added to the cost income ratio, which reflects the relationship between the operating expenses and the non-interest income and bank performance. The ratio of equity assets reflects the use efficiency of the banks, which reflects the efficiency of the banks. For the model stationary test and cointegration test, the model set in the form of test and Hausman test, and then return to examine the relationship between the proportion of non-interest income and bank performance between the regression results can be seen, the banks The non-interest income and bank performance is positively correlated, while the cost-income ratio and bank performance negatively correlated, and therefore the future of the bank in the business, to increase business investment in non-interest income, while non-interest income to be controlled banks the cost of business, therefore, according to this regression results, the policy recommendations is to extend banking non-interest income business, from two terms, one is in the personal services, such as providing a variety of personal finance products to meet various customers financial needs; to provide "private banking" services, customized personalized, comprehensive and professional wealth management solutions, business services, to elaborate on the other hand, to build enterprise service platform and provide solutions, including Providing financial services supply chain solutions and services platform to provide small and micro enterprises to increase non-interest income. In the cost of non interest income business, to strictly control the cost of non interest income business, to carry out non-interest income business, the marginal income is greater than the cost of non interest income business, and to establish a sound banking system and mechanism, to enhance the bank’s comprehensive strength and competitiveness, to achieve sustainable development of the bank, while the non-interest income business to become a new growth point in the future development of banks.