非利息收入对我国上市商业银行绩效的影响研究

本文采用我国14家上市商业银行2003-2007年披露的年报数据,对商业银行非利息收入进行研究,表明我国商业银行经过多年的发展,打破原先单一主要依靠存贷差产生利润的局面,非利息收入不论在绝对数还是占比上都得到了长足的发展,并且产品结构日趋丰富,满足了人们日益增长的金融服务需求;同时,回归分析表明,提升非利息收入的比重,有利于提高商业银行的绩效。

The Study on the Effect upon the Non-interest Income of Listed Commercial Banks in China

This article studied the Non-interest income using the annals data of 14 listed commercial banks in china from year 2003 to year 2007, and showed that the commercial banks in china country which have developed for many years have broken the situation that depended on the loan-to-deposit poor to produce profit. And the Non-interest income have developed further, the production constructure have become more abundant, and the development could meet the needs of people's growing demands for financial service. At the same time, regression analysis showed that raising the proportion of Non-interest income is good to improvo the performance of commercial banks.