CAJ | 학술논문

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。
근년래，상업은행경력착전통적자산부채업무적감소화비이식업무적상승。비이식수입재수입결구중점적비중대대제승。본문이14가상업은행1996—2005년적수거위연구대상，대중국은행업비이식업무규모여은행특정관계진행료연구。연구결과표명，비이식업무규모여은행자산규모、정리차수입、자본비솔、인원규모부상관，여신용풍험정상관。
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.