非利息收入对上市城(农)商行绩效影响的实证研究  

An Empirical Study on the Impact of Non-interest Income on the Performance of Listed Urban(Rural)Commercial Banks

作　　者：喻晓芬 李淑锦[1] Xiaofen Yu;Shujin Li(College of Economics,Hangzhou Dianzi University,Hangzhou,Zhejiang,310018,China)

机构地区：[1]杭州电子科技大学经济学院,浙江杭州310018

出　　处：《财经与管理》2020年第3期5-10,共6页Finance and Management

摘　　要：论文利用2014-2018年20家上市城商行、7家农商行的面板数据,将非利息收入占比和收入多元化指数作为解释变量,ROE为被解释变量,选取成本收入比、权益比、资产规模、GDP指数、互联网金融指数等为控制变量,建立模型实证分析了非利息收入对中国上市城商行和农商行绩效的影响。结果表明:非利息收入对城商行和农商行绩效的影响不同,非利息收入不利于提高城商行绩效,有利于农商行绩效提高,但是效果不显著。这充分说明了非利息收入对不同类型商业银行绩效的影响是不同的。The paper uses panel data of 20 listed urban commercial banks and 7 rural commercial banks from 2014 to 2018,taking the proportion of non-interest income and income diversification index as explanatory variables,and ROE as the explanatory variable.Selecting cost-income ratio,equity ratio,asset size,GDP index,Internet finance index,etc.as control variables,the model is established to empirically analyze the impact of non-interest income on the performance of Chinese listed urban commercial banks and rural commercial banks.The results show that non-interest income has different effects on the performance of urban commercial banks and rural commercial banks.Non-interest income is not conducive to improving the performance of urban commercial banks and is conducive to improving the performance of rural commercial banks,but the effect is not significant,which fully shows that the impact of non-interest income on the performance of different types of commercial banks is different.

关 键 词：城(农)商行 非利息收入 多元化收入 银行绩效 

分 类 号：F83[经济管理—金融学]