The Study Of The Non-interest Income And Risk-taking Of China's Commercial Banks

In the process of China's economic development, the reform of banks and the RMB internationalization and the interest rate liberalization acceleratment and so on. Relying on traditional business model has been unable to support the development of commercial banks and non-interest business expansion is becoming a new driving force for banks to maintain rapid growth.So the study of the changes in the structure of banking income,analysis the contact between non-interest business and banking risk has important significance to the entire finance system.This paper first introduces the research of relevant literature, then analysis the situation of China's 44 of commercial banks non-interest business conclude 5 large and 39 small and middle commercial banks. In the next part, the paper first expound the theoretical basis and risk transmission mechanism between non-interest business and risks,then establish regression models based on this theory, use the panel data between 2001 to 2014 of the 44 commercial banks in order to examine the relationship between non-interest and bank risk.Then accouting to the analysis, the paper give some conclutions and recommendations.The paper find that non-interest income was directly proportional to the risks of commercial banks;compare to the large commercial banks, increase non-interest income increase the risk of small and medium sized banks are more significant;there is a negative correlation between the proportion of fee and commission income and bank risk,there is a positive correlation between the risk and proportion of investment income.Finally the paper put some recommendations:commercial banks should be reasonable of the development of non-interest income scale,optimize the structure of non-interest business,cautious the development of high-risk business,improve non-interest business risk management mechanism and the relevant departments should strengthen supervision of non-interest business.