Study On The Influencing Factors Of Non-interest Income Of Commercial Banks In China

A stable financial environment is important to the economic situation in a country,and the proportion of banking in the financial system is self-evident.Because of the financial crisis of 2008,the central bank had successively lowered the deposit-loan spread to stabilize the financial market,which triggered a large number of foreign banks,city commercial banks and joint-stock banks to compete for customer resources.At present,because of the changes in the external environment such as financial disinter-mediation and Internet finance,commercial banks are surfing a big loss in traditional deposit and loan businesses compressing,and the traditional banking industry that uses deposits and loans as its main source of income faces enormous challenges.For a long time,our commercial banks' income is mainly from the deposit-loan,spread,while the non-interest income is in a very low proportion in the operating income.With the development of reform and innovation and the intensifying competition,China's commercial banks' spread between deposits and loans is shrinking,in this situation,it is necessary to expand the non-interest income business to standing out from the fierce.competition.Non-interest income originated from the western countries in the 1970s,as the financial supervision gradually transformed into relaxing.financial innovation and liberalization started to emerge,in this situation,non-interest income business appeared in some developed countries' commercial banksDifferent types of commercial banks in our country are different on development path.scale and emphasis of the non-interest income.Our country is in a situation that the current financial market is fully liberalized,the Internet finance is booming and the market-based interest rate reform continues,which casing an intensive competition in the banking industry.traditional deposit and loan business is challenged,profit margins are gradually shrinking,commercial banks have to seek new profit growth point.develop non-interest income business,only in this way can the commercial banks win the battle in the future competition.During the 10 years from 2007 to 2016.the volume and proportion of non-interest income of commercial banks both showed an upward trend.The velocity of growth rate of non-interest income of the entire banking industry keeps a steady growth.In 2007,the total amount of non-interest income of 14 commercial banks is 112.205 billion yuan.,while at the end of 2016,this figure reached at 975.436 billion yuan.The non-interest income business developed unbalanced among the banks.Compared with the city commercial banks and joint-stock commercial banks,the non-interest income of state-owned banks is developing more rapidly,while enjoyed a similar condition between the city commercial banks and joint-stock commercial banks,however,there is a clear gap between the volume and the growth rate.All above makes it very necessary to study the differences between different commercial banks,which is also the significance of this paper.According to the previous scholars' research content and the current situation of China's listed commercial banks,this paper divides the main contents of this paper into the following five parts:The first part:introduction.Mainly summarized this paper from the background,the significance of the research,the methods,the theoretical basis and the literature basis.Here also sorted out the literature about non-interest income business from domestic and abroad respectively,and compares and analyzes the existing macroeconomic situation at home and abroad as well as the current status of non-interest income of commercial banks from the qualitative analysis and quantitative analysis.At the same time,it summarizes the innovative points and research significance of this paper to provide theoretical basis for the following study.The second part:the reasons and current situation of non-interest income of commercial banks in our country.This paper mainly compares the definition and classification of non-interest income business of commercial banks at home and abroad,and expounds the basic composition of non-interest income of commercial banks in our country,by means of descriptive statistics.make a compare among the comparative analysis of non-interest income,non-interest income business.operating income ratio and fee and net commission income of listed commercial banks respectively.Through the charts,laying a good foundation for the next part of the factors influencing non-interest income.The third part:Analysis of the factors that affect the non-interest income of commercial banks.Using the annual report data of 14 listed commercial banks in China,the Bank analyzed the five aspects of commercial bank asset size,traditional business profitability,cost level,capital situation and macroeconomic development,and compared them with non-interest income respectively.Contrast the trend.The fourth part is the empirical analysis of the influential factors of non-interest income business of commercial banks.The panel data were constructed by using the annual report data of 14 listed commercial banks in our country and the regression analysis was conducted by using the fixed effect intercept model.Put forward the hypothesis,explained the sample selection,variable selection,model design and model test.Firstly,the descriptive statistics of the sample group,the sample group of state-owned banks,the sample group of joint-stock banks and the sample group of city commercial banks were carried out.Then the regression analysis of the above four samples by using Eviews6.0 and R language proves the above assumptions,Explains the general factors that influence the non-interest income of commercial banks by using the full sample,explains the differences among different types of commercial banks by using different sample banks,and expounds the regression results.The fifth Part:Conclusions and Policy Suggestions.The regression results of each of the above factors are listed here,and the regression results are analyzed and predicted.Based on the actual situation of commercial banks.some practical policy suggestions are put forward.