解析美国商业银行的非利息收入

过去20年间,美国商业银行业的投资银行、资产服务、资产证券化、保险业务和其他运营性收入的增长使得非利息收入在营业净收入的占比增加了15.4%。而且,大型商业银行的非利息收入在行业中的占比从82.9%增加到93.0%。本文从发展动因、收入构成、分类银行、综合影响方面分析了期间美国商业银行业非利息收入的发展变化,以期为中国商业银行业发展中间业务提供阶段性目标与路径参考。

A Study of US Commercial Banks' Non-Interest Income

In the past 20 years,income from investment banking,assets management,securitization,insurance and other operational business of US Commercial banking industry has increased,and now the non-interest income accounts for more than 15.4% of net operational income.And big commercial banks accounted for 93.0% of the industry total non-interest income,increasing from 82.9% 20 years ago.In order to provide Chinese commercial banks at different phases with experi- ence in developing off-balance sheet businesses,this paper analyzed the development and changes of non-interest income of US commercial banking industry,including its root cause,income structures,bank sizes and comprehensive influence.