The Impact Of Intermediary Business Income On The Performance Of Commercial Banks In China

In recent years,with the strengthening of capital constraints,the acceleration of financial outreach,the competition between industries has become more and more intense,and the traditional interest income business of Chinese commercial banks has become narrower and the profitability has been declining.As the spread of narrowing the pressure,commercial banks only to open up other development path,in order to enhance their competitiveness.The middle business is the direction and trend of the future development of commercial banks.With the continuous expansion of the scale of intermediary business,the proportion of business income has gradually increased,which has won more economic benefits and business development for commercial banks.It has become the impact of commercial banks Of the important factors.However,the current domestic commercial banks on the intermediary business income concept,meaning and extension are quite vague,the concept may be non-interest income,off-balance sheet business income is confused.In addition,the banks to actively expand the intermediary business is based on a default premise that the increase in intermediary business income is to help improve the performance of commercial banks.In fact,compared with the development of foreign commercial banks in the middle of business,China's commercial banks,the main source of income is still Chen's interest income,the middle business is not ideal,the benefits are limited.First of all,according to the meaning of intermediate business and the relevant financial information of Chinese listed companies,this paper defines the concept of intermediary business income of commercial banks.Based on non-interest income,the concept of business income comparison,clear the scope of the three.Secondly,this paper takes the listed commercial banks in China as the main research object,compares the business situation of Chinese and foreign commercial banks,and concludes that the income of Chinese commercial banks has entered the stage of rapid development,and the middle business has grown steadily.At the same time,a comprehensive discussion of the development of different commercial banks in the middle of business,and analyzed the differences.Thirdly,this paper analyzes the intermediate business income and other relevant financial data of 12 commercial banks from 2007 to 2015,and as a research sample,through the establishment of panel data model,it is divided into large-scale state-owned commercial banks and joint-stock commercial banks regression analysis,The relationship between intermediary business income and operating performance of commercial banks,through regression analysis,the middle business income and bank performance there is a positive correlation,but not significant.Finally,based on the empirical research results,the paper puts forward the countermeasures and suggestions for the development of intermediary business of Chinese commercial banks.From the large state-owned commercial banks and the joint-stock commercial banks,we choose one as a typical case and put forward specific development suggestions.This will improve the competitiveness of Chinese commercial banks and profitability,and promote the rapid development of commercial banks.