Study On The Effect Of Non-interest Income On State-owned Commercial Banks

In the globalization of financial markets and interest rates as the market oriented overall environment,along with the China fiscal and monetary policy adjustment,reform and development of horizontal and vertical extension,the continuous influx of fresh groups in the financial market in China,such as the strong financial strength of foreign banks,development of the emerging network lending service platform a total of 100 years,foreign banks mature banking service system and new finance service enterprises,innovation management mode of its localization makes our traditional banking industry is facing development clearly visible threat.Therefore,based on the external environment and the requirements of the internal reform of banks,it is urgent to adopt accurate scientific measurement methods to clarify the factors that influence the effectiveness of the traditional industries of banks.Among them,the non-interest income business of the bank,as a representative of financial innovation,attracts the attention of the industry.As everyone knows,the non-interest income business in the world has appeared and developed for many years,it is the modern commercial banks to change the new profit point of traditional asset management mode,it emphasizes the service and responsibility of the third party,to provide a variety of efficient service projects to customers,so that customers are doubling the sense of belonging and trust and loyalty,but on the other hand compared with the traditional dependence on net interest income,non-interest income at the present stage of China's commercial banks can really bring great development for the bank,the Development Bank non-interest income business can effectively improve the profitability of banks steadily,can increase the liquidity of bank capital in credit risk under the premise of saving cost,improve operation efficiency and other institutions and these are still worth further discussing.Therefore,this paper takes this as a starting point,focusing on the impact of non-interest income on the performance of China's state-owned commercial banks under the background of the normalization of economic development in the banking industry.Intercept fixed effect model based on the in-depth review of interest income to carry out effectively in the interests of the parties after the non-commercial banks,help banks to better see the objective of diversified business practice,and verify the hypothesis non-interest income business impact on the performance of the Bank of China's state-owned commercial banks,hoping to provide reference opinions on and worthy of adoption non-interest income business of our commercial banks after the development.