The Research On The Influence Of The Income Structure Of Listed Commercial Banks On The Operating Performance

With the deepening of reform and opening up,the change of financial system,as well as the further advance of interest rate liberalization,the environment of banking business becomes complex.The emergence of the Internet financial and shadow banking is profoundly changed our country financial market environment,the traditional Commercial Banks mainly spread revenue profit model met with unprecedented challenges.The Commercial Banks that rely on a single income structure of assets and liabilities business have not suitable for development.In the face of the change of the operating environment,Commercial Banks have accelerated the transformation by transforming the mode of development,optimizing the business and income structure,and deepening the reform of the banking system.Commercial Banks pay more and more attention to the development of non-interest of business,and establish various strategies and effective measures to drive the development of non-interest business,as well as seek new profit growth point.However,we also need to explored furtherly to diversify income structure and develop the non-interest business whether can effectively promote the bank's business performance.In this paper,I hope to analyze the data of the Business Banks in country,and explore the relationship and pattern of the structure of revenue and the performance.Then we can provide scientific and effective advice for our banking system to improve the revenue structure,and non-interest business development.Combining the theoretical analysis and empirical analysis,this paper clarifies the related concepts of income structure and business performance of Commercial Banks firstly,and then carry on the theoretical analysis and research;I have choose nineteen listed Commercial Banks,including five state-owned Commercial Banks,eight joint-stock Commercial Banks and six urban Commercial bank as target of this article.To build a panel data model to conduct empirical studies on the relationship between the revenue structure and the performance of our country's listed business Banks using the database of wind,annual report of the listed companies,and the prospectus and so on.It is concluded that state-owned Commercial Banks to increase the proportion of non-interest income has positive effects on the increase of its business performance,and more significantly.The non-interest income of the joint-stock Commercial Banks and urban Commercial Banks is not significant in comparison with their performance.This is because the expansion of non-interest income of joint-stock Commercial Banks and urban Commercial Banks is more dependent on the input of operating costs,which leads to the resistance of higher return on net assets through the development of non-interest income.In addition,joint-stock Commercial Banks and urban Commercial Banks should control costs while developing non-interest income,and expand scale reasonably and moderately to achieve economies of scale effect and profit growth.