| In recent years,because of the completion of the interest rate liberalization reform,the degree of financial disintermediation has become increasingly significant.At the same time,under the background of the vigorous development of Internet finance,the net interest margin of China's commercial banks has gradually been narrowed,and the profits from traditional deposit and loan businesses are increasing.The proportion of net profit is getting lower and lower.Therefore,in order to reduce the volatility of net profits and increase the source of profits,China's commercial banks have actively expanded non-interest income business and actively sought new profit growth points.According to statistics,by the end of 2017,the proportion of non-interest income of China's commercial banks has exceeded 30%,which is twice as much as what was 10 years ago.Besides,as China gradually strengthens the opening up of the financial industry,the degree of opening up of the domestic financial market has continued to deepen.Therefore,the various products of China's commercial banks are increasingly affected by risk spillovers in the global financial market,and the risk implications of non-interest business also need further attention.This article focuses on the research content,first reviews the relevant domestic and foreign existing literature,and then introduces the domestic and foreign commercial banks to carry out the non-interest income business process and its development status.Then it analyzes the theoretical basis and risk transmission mechanism of non-interest income impact on commercial bank risk,and analyzes the proportion of non-interest income of China's commercial banks and the subdivided components.The empirical analysis of this article uses the panel data of 16 listed commercial banks in China from 2007 to 2017 to establish a regression model to study the impact of non-interest income and its various components on bank risks and its impact on banks of different sorts. |
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