An Empirical Study On The Impact Of Non-interest Income On The Performance Of Listed Commercial Banks In China

In recent years,with the increasing speed of our country interest rate marketization and the completion of China's listed commercial banks rely on traditional deposit and loan interest difference to obtain benefits received increasingly questioned and challenged in academic circles,the manager of the bank itself is also constantly reflection and change their business strategies.Especially with BAT and P2 P as the representative of the Internet plus financial enterprises rapid rise and continue to impact,the challenges caused by China's listed commercial banks operating performance level and the comprehensive competitiveness of the decline in the situation of.At present,foreign developed countries and regions to adopt the common practice is to change the business focus and business strategy,namely the non interest income obtained from the traditional deposit interest income to the intermediary business transformation.Strive to raise the level of non-interest income as an opportunity to enhance the profitability of commercial banks and the level of development.Since the 2008 global financial crisis,expanding non-interest income business in developed countries and regions,and more reasonable risk control,comprehensive performance and greatly enhance the ability of China's banking industry,need to absorb and learn from the advanced experience and practice of science.The objective forms of financial development both at home and abroad determine the tendency and urgency of the development of non-interest income business in china.In this paper,under the financial environment and background,first summarized the dynamic theory of academic research at home and abroad related,in the full absorption and reference before the relevant academic research results,combined with the reality of the development of China's banking industry,the introduction of the theory to expand the business of non-interest income related concepts and listed commercial the bank's analysis.Given further analysis of the current situation of the development of non-interest income and the specific description.In order to study the effect of non-interest income and comprehensive performance,this paper uses sequential global principal component analysis of China's listed commercial bank comprehensive performance measurement and analysis,to draw comprehensive performance scores as explanatory variables for further empirical analysis.China's Listed Commercial Banks Based on different categories,different business focus on the actual situation,this paper will divided into 16 banks listed large commercial banks and joint-stock commercial banks were analyzed,the specific approach is based on the 2010-2015 of listed commercial banks of our country 16 comprehensive performance values of empirical research respectively and the overall index of non-interest income and structural indicators based on panel data.Finally,from the perspective of non-interest income,this paper puts forward some countermeasures to improve the performance of comprehensive management.