| 摘要: |
| “十四五”时期国内金融生态环境将加快变化。互联网金融加速发展，LRP利率机制改革不断完善，金融脱媒现象更加凸显、金融科技将对商业银行经营管理全面赋能，城市商业银行传统的存贷利差的盈利模式已不可持续。提高非息收入占比、拓展多元化收入已成为其“十四五”时期重要战略之一。本文选取位于我国长江三角洲地区的18家城市商业银行为样本，采用随机效应面板模型，实证考察了非利息收入与经营绩效二者的关系。结果发现非息收入占比、手续费及佣金收入占比、投资收益占比与经营绩效呈现负相关，非息收入结构多元化指数与经营绩效呈现正相关。在控制变量中，成本收入比、不良贷款率与经营绩效呈现负相关，资产规模与城商行经营绩效呈非线性关系，即倒U型，经营绩效随着其资产规模先上升，后下降。最后提出政策建议，以期更好地推动长三角金融一体化发展，促进我国经济向高质量发展阶段迈进。 |
| 关键词: 长江三角洲；城商行；非利息收入；经营绩效 |
| DOI： |
| 分类号:F832.3 |
| 基金项目: |
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| An Empirical Study on the Relationship between Non-interest income Scale，Structure，Diversification and Operating Performance of City Commercial Banks |
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LI Bo，WANG Guang-yu1,2
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1.Bank of Suzhou Postdoctoral Research Station，Shanghai University of Finance and Economics Postdoctoral research station;2.Industrial Bank Postdoctoral research Station，Postdoctoral research station of Institute of Finance，Chinese Academy of Social Sciences
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| Abstract: |
| During the 14th five-year Plan period，the domestic financial ecological environment will accelerate the change.The development of Internet finance has accelerated，the reform of LRP interest rate mechanism has been constantly improved，the phenomenon of financial disintermediation has become more prominent，the financial technology will enable commercial Banks to comprehensively operate and manage，and the traditional profit model of deposit and loan spread of urban commercial Banks is no longer sustainable.Increasing the proportion of non-interest income and expanding diversified income has become one of its important strategies in the 14th and 5th five-year period.In this paper，18 urban commercial Banks located in the Yangtze River Delta region of China are selected as samples，and the stochastic effects panel model is adopted to empirically investigate the relationship between non-interest income and business performance.The results show that non-interest income ratio，commission income ratio and investment income ratio are negatively correlated with business performance，and non-interest income structure diversification index is positively correlated with business performance.Among the control variables，the cost-income ratio and non-performing loan ratio are negatively correlated with business performance.The asset scale and the business performance of urban commercial Banks are nonlinear，i.e.，inverted U-shaped.Finally，some policy Suggestions are put forward in order to promote the financial integration of the Yangtze River Delta and promote China's economy to the stage of high-quality development. |
| Key words: Yangtze River Delta;City Commercial Bank;Non-interest Income;Business Performance |
