关键词: 非利息业务 , 银行收益 , 银行风险 , 风险调整后收益

Abstract:

Using 49 commercial banks  data of our country during the periods of 2005—2014, this paper analyzes the impact of noninterest business on the performance and risk of different types of commercial banks. Empirical results show that in general the development of noninterest business has a significant positive impact on bank return and riskadjusted return, mainly from fee and commission business, but it has no significant impact on risk. For stateowned banks, the development of noninterest business increases both profitability and risk, for which the main source of increase in return is fee and commission and of risk is other noninterest income. For jointstock banks and city commercial banks, the impact is not obvious. For rural commercial banks, the development of noninterest business reduces bank risk, mainly from fee and commission business, but it has no significant impact on return and riskadjusted return.

Key words: noninterest business , bank return , bank risk , riskadjusted return