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;the banks with sufficient equity capital are more willing to engage in a broad-balance-sheet business,and the proportion of net interest margin ratio and non-interest income and fee income are of respectively and significantly negative and positive impact.The banks of the lower net interest margin income,the more pressingly need to get the steady growth of the overall income levels through more investment banks,guarantees and other non-traditional businesses,while return on net assets,total asset size,liquidity,loan loss rate have no significant effect on the proportion of non-interest income and fee income;therefore,the paper puts forward relevant policy recommendations for solving the problems.