Factors Affecting Non-interest Income of Commercial Banks : Empirical Analysis

摘要

In recent years, China's reform of income structure of commercial banks have accelerated the pace of transformation of business strategy, banks, securities, insurances are mutual permeating, non-interest revenue of commercial banks is in rapid growth, we use the data of nine sample banks (including data of 3 Large state-owned commercial banks, six joint-stock commercial banks between 2003 and 2009) of China Banks, and make empirical analysis about factors affecting the non-interest income, the study found that the on-interest income of commercial banks has positively correlated with bank size, risk, market liquidity, but negatively with the operating cost ratio, net interest margin income. In the development of non-interest business commercial banks should not only consider its own characteristics, but also consider the business environment and financial policies.