我国商业银行业务多元化对收益和风险的影响

摘要

Different from previous research ,the article assigns 15 listed banks into large -scale banks, medium - scale banks, and small banks according to their average asset size. This paper investigates the effects of revenue diversification on the profitability and risk of the Chinese banking industry. Using the sample which consists of 15 listed banks during the year of 2000 -2011, we find that increased engagement in noninterest activities is associated with higher profitability without affecting the risk. And benefits from diversification can only be seized optimally by small banks. Higher Fee - based income is associated with higher profitability and lower risk.%不同于以往研究，文章将15家上市银行按照平均资产规模大小分成大规模银行、中等规模银行、小规模银行采用2000年-2011年的数据建立面板数据模型，分析我国商业银行非利息收入及其组成部分占营业收入比重的变化对银行收益和风险的影响。结果表明，非利息收入占比的提高对银行的收益有正效应，且这种效应在小规模银行中更为明显。非利息收入占比与银行风险的关系总体并不显著，但对大规模银行来说有一定的降低风险效应。手续费及佣金收入占比的提高会增加银行的收益并降低风险。