The Influence Of Non-interest Income And Its Composition On The Performance Of Chinese Commercial Banks

under the current mode of bank income composition in our country,the traditional interest income is still the main source of profits of commercial banks,and generally accounts for more than 78% of the main business income.However,in recent years,the rapid development of internet finance and the diversification of financial system have had a lot of impact on the traditional deposit and loan business of commercial banks in our country.At the same time,the change of interest rate,the fluctuation of international economic cycle and economic and financial situation are all the factors that cause the traditional interest income growth rate to slow down or even show a downward trend.This paper first introduces the research background,significance and literature review of non-interest income of commercial banks in China,then expounds the theoretical basis of non-interest income and the development of non-interest income of commercial banks in banks in China in recent years.Further,it introduces the dea-malmquist efficiency measurement model and the hansen threshold regression model to study non-interest income and non-linear relationship between non-interest income and operating performance.Finally,combining with the living environment,development status and influencing factors of non-interest income business of commercial banks in China,this paper puts forward some suggestions for accelerating the innovation and development of non-interest income business of commercial banks in China and improving the performance of commercial banks in China.Empirical results show that when the asset size of commercial banks is greater than9132 billion,the hansen regression coefficient of non-interest income to operating performance is 0.7191 and significant at 1% significant level.When the asset size of commercial banks is less than 9132 billion,the hansen regression coefficient of non-interest income to operating performance is 0.6748 and significant at 1%significant level.Therefore,this paper concludes that the impact of non-interest income on operating performance is positive and significant,and with the increase of the scale of assets of commercial banks,the positive impact of non-interest income onoperating performance is increasing.For the composition of non-interest income,when the asset size of commercial banks is greater than 3551.4 billion,the impact of handling fee and commission income on operating performance is the largest,and when the asset size of commercial banks is less than 3551.4 billion,the impact of investment gains and losses on operating performance is the largest.Most of the previous related studies have chosen the data as annual data and the years are short.The calculation of commercial bank's operating performance is to directly select the value of return on assets,and the regression of non-interest income and its composition to operating performance is based on linear model.In view of these three aspects,this paper has made some improvements on the basis of the former research scholars.First of all,this paper selects the time span of the data from the first quarter of 2011 to the third quarter of 2019.The time span of nine years is relatively moderate,and the quarterly data are selected to reflect the changes in economic indicators in more detail than the annual data.Then,using total factor productivity to measure the operating performance of commercial banks,we can more comprehensively reflect the operating performance of commercial banks.Finally,according to the actual situation of commercial banks,the scale of assets is used as a threshold variable to study the nonlinear influence of non-interest income and its composition on bank performance.