非利息收入对商业银行绩效影响的实证研究——基于我国16家上市银行的面板数据

近年来,我国商业银行积极通过各项举措开展非利息业务,但是目前各银行拓展非利息收入的前提是提高非利息收入有助于改善银行的经营绩效,而这一前提现在尚缺乏有利的证据。根据我国16家上市银行2003—2010年的财务数据,构建面板数据模型对非利息收入和银行经营绩效之间的关系进行回归分析。结果发现国有控股银行与股份制商业银行得出了截然相反的结论;当非利息收入不会引起经营成本大幅上升的情况下,增加非利息收入才有助于银行收益率水平的提高。

Empirical Research of Non-interest Income for the Performance of Commercial Banks

In recent years,China’s commercial banks are carrying out non-interest business through various initiatives.But now the premise of banks to expand non-interest income is to increase non-interest income to help improve the bank’s operating performance and this premise is still a lack of favorable evidence.According to China’s 16 listed banks of financial data 2003—2010 year,regression analysis of the relationship between non-interest income and banks operating performance by building panel data model.The results showed that state-controlled banks and joint-stock commercial banks come to diametrically opposite conclusions.In the case of non-interest income will not cause significant increase in operating costs,increasing non-interest income can help to raise the level of bank profitability.