Research On The Impact Of Non-interest Income On The Operating Risk Of China's Commercial Banks

In recent years,the completion of China's interest rate marketization reform,the development of Internet finance,and the phenomenon of financial “disintermediation” all had a huge impact on the traditional deposit and loan business of China's commercial banks.In 2013,China announced its entry into the new normal of economic development.This has brought unprecedented opportunities and challenges to the development of China's banking industry.In order to improve its competitiveness,commercial banks must seek new development directions,and the expansion of non-interest income business will be become the focus of commercial banks.However,non-interest income business has certain risk.It is more practical to explore how China's commercial banks should develop non-interest income business more steadily,so as to promote the healthy and rapid development of commercial banks.On the basis of summarizing and reviewing the existing literatures,this paper firstly summarizes the non-interest income and operating risk of commercial banks in China,and then analyzes the development status of non-interest income of commercial banks in China from various angles,and then introduces the non-interest income of commercial banks.Theoretical analysis of the impact of interest income on operating risk.This paper selects 24 A-share listed commercial banks in China as the research object,selects the Z value of bankruptcy risk as the variable,establishes the regression model to empirically analyze the relationship between non-interest income and operating risk of commercial banks,and finally draws the conclusion:(1)The increase in commission fee income of large state-owned commercial banks can reduce the operating risk of commercial banks.(2)The increase in fee commission income and net investment income of joint-stock commercial banks will increase the operating risk of commercial banks.(3)The increase in commission income and other non-interest income of other commercial banks can effectively reduce the operating risk of commercial banks.Finally,based on the research conclusions,this paper proposes to avoid the blind expansion of non-interest income business;establish and improve the corresponding risk management system;optimize the internal structure of non-interest income business;improve the quality of employees and increase the intensity of scientific and technological innovation.