中国银行业收入结构转型的影响因素研究

文章选取了中国14家商业银行2000—2008年样本数据，运用panel data模型对影响中国商业银行收入结构转型的因素进行回归分析。结果表明，总资产收益率、股东权益比率和银行非利息业务收入、手续费收入占比成显著正比关系，在信贷资产规模一定的情况下，银行从事非传统业务可以获得多样化收益，权益资本充足的银行更愿意从事广义的表外业务，边际净利息比率对非利息收入比重和手续费收入占比分别有显著负、正向影响，净利息边际收入越低的银行越迫切的需要通过更多的投资银行、担保等非传统业务以获得总体收入水平的稳定增长，而银行净资产收益率、总资产规模、流动资产、损失贷款率对非利息收入比重和手续费收入占比没有显著影响，并针对问题提出相应政策建议。

A Study on the Impact Factors of China's Banking Income Structure Transformation

This paper selects China's 14 commercial banks sample data for the years 2000-2008,and makes regression analyses on the factors to affect the revenue structure of China's commercial banks by using panel data model.The results show that the proportion of total return on assets,shareholder equity ratio and bank non-interest revenue and fee income accounts for a significant positive relationship.In the cases of certain size of credit assets,the banks engaged in non-traditional business can get diverse benefits...