The Research On The Income Intermediary Business Of Commercial Banks Of China Based On Panel Data

With the transformation mode of economic growth, the promote of interest rate market,the financial dis-intermediation become more and more increasingly obvious,commercial banks income from traditional credit business have received a largely challenge,they are faced with a new choice-developing Intermediate Business. In economical developed Western countries, Intermediary Business has become a major business in their banks,thus, Intermediate Business income has become a major profit source. Now,in some commercial banks of our country, Intermediate Business has occupied a significant proportion in its market share, and become the third pillar business.Then, we maybe think which factors have influenced or will influence the commercial bank intermediate business?In those factors which factors are the main factors, what is the extent of these factors? Based on the above issues, we decided to study the factors of influence intermediary business revenue.My article based on the theory about intermediary business of Western countries,analysised the factors of influence the development of intermediary business. Subsequently,I have choose 16 commercial banks as the research object,include state-owned banks,joint-stock banks, city commercial banks and agricultural banks, with financial data from2006 to 2014, through panel unit root test, Hausman test established fixed effects regression,analysised the effect of various factors how affect intermediate business income. Finally,I discussed how to proposed banking intermediary business, increase business income,according to status and problems.According to the analysis, we concluded that: there was a significant positive relationship between assets and intermediate business income;NPL ratio or capital adequacy ratio have inverse relationship between intermediate business income;there was a significant positive relationship between administrative expenses and intermediate business income;financial dis-intermediation does not play a role in the intermediary business.