CAJ | 학술논문

以我国78家商业银行2005～2010年的非平衡面板数据为研究对象，运用两种不同的研究手段从非利息收入结构的视角考察银行收入结构的变化对其经营风险的影响。研究结果表明．非上市银行的非利息收入占比的增加有助于降低银行风险。而上市银行非利息收入占比的上升对降低银行风险不显著。出现上述现象的原因在于两个子样本存在非利息收入的结构差异；上市银行的非利息收入主要来源于手续费及佣金收入，而非上市银行的非利息收入则主要来源于投资收益。
이아국78가상업은행2005～2010년적비평형면판수거위연구대상，운용량충불동적연구수단종비이식수입결구적시각고찰은행수입결구적변화대기경영풍험적영향。연구결과표명．비상시은행적비이식수입점비적증가유조우강저은행풍험。이상시은행비이식수입점비적상승대강저은행풍험불현저。출현상술현상적원인재우량개자양본존재비이식수입적결구차이；상시은행적비이식수입주요래원우수속비급용금수입，이비상시은행적비이식수입칙주요래원우투자수익。
Based on a panel data of 78 banks in China from 2005 to 2010, we investigate effects of the income structure changes on bank risk in the perspective of non-interest income structure by using two different empirical methods. The results show that the proportion of non-interest income in unlisted banks＇ is benefit to reduce banks＇ risks, while the influence of that in listed banks is not obvious. The reason lies in the difference of non-interest income structure in the two kinds banks. The non-interest income of listed banks are mainly from handling charge and commission; while that of unlisted banks are mainly from investment.