商业银行非利息业务收入对绩效影响

The Impact of Non-Interest Business Income on the Performance of Commercial Banks

摘要: 本文旨在探讨非利息收入对商业银行绩效的影响。随着金融市场化的深入和银行业务模式的转变，非利息收入已成为商业银行重要的收入来源之一。本研究通过分析38家上市商业银行2011~2022年的面板数据，采用固定效应回归模型，探讨了非利息收入对银行绩效的影响及其经济意义。通过实证分析，发现非利息收入显著提升了商业银行的综合绩效水平。非利息业务的发展也伴随着新的风险，要求银行加强风险管理和创新能力。本研究不仅丰富了非利息收入影响银行绩效的理论分析，也为银行业务和风险管理提供了建议，建议商业银行在追求非利息收入增长的同时，加强风险识别和控制能力，优化收入结构，实现可持续发展。

Abstract: The purpose of this paper is to explore the impact of non-interest income on the performance of commercial banks. With the deepening of financial marketization and the transformation of banking business models, non-interest income has become one of the important sources of income for commercial banks. This study analyzes the panel data of 38 listed commercial banks from 2011 to 2022 and uses a fixed-effect regression model to explore the impact of non-interest income on bank performance and its economic significance. Through empirical analysis, it is found that non-interest income significantly improves the comprehensive performance level of commercial banks. The development of non-interest business is also accompanied by new risks, which require banks to strengthen their risk management and innovation capabilities. This study not only enriches the theoretical analysis of the impact of non-interest income on bank performance, but also provides suggestions for banking business and risk management, suggesting that commercial banks should strengthen their risk identification and control capabilities, optimize their income structure, and achieve sustainable development while pursuing the growth of non-interest income.