中国银行业非利息业务与银行特征关系研究  

On the Relationship Between Non-interest Business and Bank Features of the Commercial Banks in China

作　　者：郑荣年[1] 牛慕鸿[2] 

机构地区：[1]广东金融学院中国金融转型与发展研究中心,广东广州市510521 [2]武汉大学经济与管理学院,湖北武汉430072

出　　处：《金融研究》2007年第09A期129-137,共9页Journal of Financial Research

基　　金：国家自然科学基金(70602033);国家社会科学基金(07BJY163)的资助

摘　　要：近年来,商业银行经历着传统的资产负债业务的减少和非利息业务的上升。非利息收入在收入结构中占的比重大大提升。本文以14家商业银行1996-2005年的数据为研究对象,对中国银行业非利息业务规模与银行特征关系进行了研究。研究结果表明,非利息业务规模与银行资产规模、净利差收入、资本比率、人员规模负相关,与信用风险正相关。In recent years, China＇ s commercial banks have experienced a decline in its traditional business of financing loans and the increase of noninterest income business. This paper observes the relationship between noninterest activities and bank features in Chinese banking sector by analyzing the data of 14 commercial banks from 1996 to 2005. The empirical analysis suggests that a negative relationship between noninterest activities and bank asset, net interest margins, capital ratio, human resource, and a positive relationship between noninterest activities and credit risk.

关 键 词：商业银行 非利息业务 非利息收入 

分 类 号：F832[经济管理—金融学]