| 中国银行业非利息收入与利息收入相关性研究 |
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| 引用本文： | 周好文,王菁.中国银行业非利息收入与利息收入相关性研究[J].广东金融学院学报,2009,24(1):46-53. |
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| 作者姓名： | 周好文 王菁 |
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| 作者单位： | 西安交通大学,经济与金融学院,陕西,西安,710061 |
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| 摘 要： | 实现非利息收入和利息收入并重发展是中国商业银行经营战略转型的目标之一.在非利息收入快速发展的同时,关注非利息收入与利息收入之间的相关性,是实现缓解银行收入波动、加强银行稳健经营的重要前提.检测1990年至2006年之间中国14家商业银行非利息收入与利息收入之间的相关性的结果表明,中国银行业非利息收入与利息收入之间相关性基本为正,且不断增加.但其中大型国有银行的收入结构较股份制银行具有较好的熨平整体收入波动的效果.
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| 关 键 词： | 商业银行 非利息收入 利息收入 |
A Study of Correlation between Non-interest Income and Interest Income of China's Commercial Bank |
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| Zhou Haowen,Wang Jing.A Study of Correlation between Non-interest Income and Interest Income of China''s Commercial Bank[J].Journal of Guangdong University of Finance,2009,24(1):46-53. |
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| Authors: | Zhou Haowen Wang Jing |
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| Institution: | School of Economics and Finance;Xi'an Jiaotong University;Xi'an 710061;China |
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| Abstract: | As improving their earning structure is one of the transformation strategic target,most commercial banks begin to increase non-interest income proportion.In order to rationalize the earning structure,it is important to develop non-interest income while declining the volatility of operating revenue through negative correlation between non-interest income and interest income.If non-interest income plays a diversifying role for bank revenue,then one would expect them to be negatively or only weakly correlated.... |
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| Keywords: | commercial bank non-interest income interest income |
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