西安交通大学学报:社会科学版
西安交通大學學報:社會科學版
서안교통대학학보:사회과학판
Journal of Xi'an Jiaotong University(Social Sciences)
2012年
4期
34~40
,共null页
商业银行 非利息收入 非利息业务 佣金手续费收入 投资收益 收益 稳定性
商業銀行 非利息收入 非利息業務 傭金手續費收入 投資收益 收益 穩定性
상업은행 비이식수입 비이식업무 용금수속비수입 투자수익 수익 은정성
commercial bank; noninterest income; noninterest business commission handling charge ; investment return ; gains ; stability
基于中国86家商业银行1999—2009年的数据,分别从静态和动态两方面探讨中国商业银行非利息业务发展对收益和稳定性的影响。研究发现:中国商业银行的收益不仅受本期非利息收入的负向影响,而且受上一期非利息收入的负向影响,但是非利息收入对稳定性的影响却不显著,与国外研究结论相悖;佣金手续费收入与收益显著正相关,投资收益与收益显著负相关,与稳定性的关系均不显著。
基于中國86傢商業銀行1999—2009年的數據,分彆從靜態和動態兩方麵探討中國商業銀行非利息業務髮展對收益和穩定性的影響。研究髮現:中國商業銀行的收益不僅受本期非利息收入的負嚮影響,而且受上一期非利息收入的負嚮影響,但是非利息收入對穩定性的影響卻不顯著,與國外研究結論相悖;傭金手續費收入與收益顯著正相關,投資收益與收益顯著負相關,與穩定性的關繫均不顯著。
기우중국86가상업은행1999—2009년적수거,분별종정태화동태량방면탐토중국상업은행비이식업무발전대수익화은정성적영향。연구발현:중국상업은행적수익불부수본기비이식수입적부향영향,이차수상일기비이식수입적부향영향,단시비이식수입대은정성적영향각불현저,여국외연구결론상패;용금수속비수입여수익현저정상관,투자수익여수익현저부상관,여은정성적관계균불현저。
Based on the relevant data of China's 86 commercial banks over the period from 1999 to 2009, this paper investigates the implications of noninterest business for return and stability of commercial banks from the static and dynam- ic perspectives. The results show that the gains of Chinese commercial banks are negatively affected not only by the cur- rent period non - interest revenue but also by that of the previous period, but the non - interest revenue does not significantly affect the stability, which is contrary to the research conclusions abroad. There is a positive correlation between the commission handling charges income and gains, a significant negative correlation between the investment return and gains, and a nonsignificant relation with stability.