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Indexed by:会议论文

Date of Publication:2012-01-01

Included Journals:CPCI-SSH

Page Number:58-63

Key Words:commercial bank; noninterest income; influencing factor; scale effect

Abstract:The empirical research observes the effects of internal features and external factors on the large commercial banks' noninterest income by analyzing the panel data of China's five large commercial banks from the first quarter of 2002 to the third quarter of 2011 by using Fixed Effects Cross-section Model. The results suggest the following three relations. First of all, there is a significantly positive relationship between the expansion of noninterest activities and that of bank's scale. Secondly, there is a markedly negative relationship between noninterest income ratio and the increase of return on assets, foreign banks' size and social needs of financial management. Finally, the size of non-bank financial institutions in China has no significant effect on noninterest income ratio.