The Impact Of Non-interest Income On Bank Risk In China

Since the beginning of the new century,many countries have adopted the mode of mixed operation.Especially in twentieth Century 80 s,many countries tried to promote the interest rate market,accelerate the process of financial liberalization,many new research results have been applied to the financial sector,and the major commercial banks in the world began to get a new profit through the development of non interest business growth.This is also the new climax of the development of non interest business of commercial banks and the new start of diversified operation of commercial banks.China's commercial banks non-interest income has experienced three important stages of development in the new period.China's commercial banks gradually began to develop non interest business;after the financial crisis,China's commercial banks non interest business has a greater degree of development.Here with the implementation of interest rate marketization and completed a series of factors such as financial disintermediation,China's commercial banks have speeded up the development of non interest business risk,and non interest income accounted for the commercial banks to further improve the dispersion ability of the non interest business which part of the positive role in the play,there is no conclusion.Therefore,this article from the definition and concept of non interest income with the theoretical basis of the analysis of non interest business development of commercial banks--diversification theory and portfolio theory,and the risks of commercial banks in the development process to do a detailed explanation.This paper compares the United States,the European Union and China's commercial banks non interest business management process,the non interest business risks faced in the process of doing comparison and analysis,and put forward the development and supervision of commercial banks and non interest business in the Enlightenment of China's commercial banks.In the part of empirical research,this paper chooses the financial data of 85 commercial banks in 2008-2015 in China as the research sample,the relationship between the non interest income part of the fee and commission income,investment income and bank risk transactions between the panel regression analysis.In addition to the full sample study,this paper is divided into large commercial banks,joint-stock commercial banks and city commercial banks respectively.Based on the Z value measurement of commercial bank bankruptcy risk as explanatory variables,fee and commission business accounting measure of commercial bank fee and commission business development,trading net income measurement of commercial bank investment related business development level as explanatory variables,using panel fixed effects regression results show that the commercial bank fee and commission the business can spread the risk in the banks in the sample,investment business transactions is not always consistent and to a certain extent,will exacerbate the instability of commercial banks.In the end,this paper puts forward the measures to be taken in the development of non interest business as a proposal to solve the risks arising from the development of non interest business of commercial banks in China,and improve the stability.