A Study On The Relationship Between Non-Interest Income And Business Performance Of Commercial Banks

In recent years,with the emergence of interest rate marketization,financial disintermediation and the rise of Internet finance,China's commercial banks,the traditional deposit and loan business is facing severe challenges,forcing China's commercial banks have taken action to non-interest income business asthe focus of future development,thereby improving the bank's interest income spread on the traditional profit structure.However,the current academic concept of non-interest income is still not a unified definition of non-interest income and off-balance sheet business,intermediary business is not a good distinction.In addition,due to China's financial market as a whole a slow start,the performance of the banking industry level compared with foreign countries also lack of competitiveness,the traditional interest income still occupy a dominant position in the income structure of banks,the degree of development of non interest business is still not high.In such circumstances,this paper first studies the concept and classification of non-interest income on the basis of predecessors' research.On this basis,through the comparison of non-interest income,intermediate business and off-balance sheet business,then the basic theory of non-interest income is introduced.Then,the development of non-interest income is introduced.On this basis,the development course and business status of non-interest business are summarized,and the non-interest income the constraints.Thirdly,we use the financial data of 16 listed banks in China from 2008 to 2015 as a sample,and divide our commercial banks into three types of state-controlled commercial banks,joint-stock commercial banks and urban commercial banks.By comparing our findings,it is very limited that the non-interest income of China's commercial banks is very limited to the performance of banks,and the non-interest income of large state-owned commercial banks is more obvious than the other two types of banks.Finally,the author makes further elaboration on the empirical conclusion,and puts forward his own suggestions and strategies on how to effectively carry out non-interest business in China's commercial banks.