Research On The Non-interest Income And Bank Performance

The banking business environment has become more and more intense,the emergence of Internet banking,shadow banking is a profound changing China's financial market environment.China's commercial banks are also actively through the development of non-interest income to change the bank's profit model.This paper first defines the concept of non-interest income on the basis of relevant research,and classifies the non-interest income according to the existing situation in our country when we study the generalization of non-interest income development and the impact on the bank's business performance.Sum up the development of China's non-interest income characteristics and problem analysis.This article uses 16 listed commercial Banks from January 2007 to September 2016.The data from 2007 to 2015 of the 17 unlisted commercial Banks in China took an empirical examination.Firstly,the paper puts the empirical test on the overall effect of non-interest income on listed commercial bank and unlisted city.Finally,the empirical examination of the performance of the bank is influenced by the other non-interest income of the net fee and commission net income.In non-interest income and bank performance analysis,correlation analysis and empirical test results in this paper,the conclusion is: the non-interest income of the business performance of listed commercial Banks have a negative impact,mainly due to the listed commercial bank charges and commissions in non-interest income net income has break through the scope of economies of scale,and return on investment,exchange earnings as well as the changes in fair value gains and losses incipient impact on Banks operating performance;Non-interest income business performance on unlisted city makers produce positive influence,is mainly due to the city of unlisted firms in non-interest income fee and commission income to realize economies of scale,and the investment income,exchange earnings as well as the changes in fair value gains and losses on bank performance have a negative impact.