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截止2015年,我国16家上市商业银行非利息收入的规模已经为2000年的70多倍,然而美国次贷危机给世界银行业敲响的警钟,让世界银行业意识到非利息收入虽然能够降低银行对传统存贷业务的依存度,但过度开发非利息业务将会给银行带来额外的风险。处于独特国情、制度和经济环境之中的中国商业银行,更应该认真探讨非利息收入对商业银行风险的影响,力求消除非利息收入带来的不利影响。
By 2015, the non-interest income of 16 listed commercial banks in our country has been more than 70 times as large as that of 2000. However, the wake-up call by the U.S. subprime mortgage crisis to the world banking industry has made the world banking industry realize that although non-interest income can be reduced Banks’ dependence on traditional deposit and loan business, but excessive development of non-interest business will bring additional risks to the bank. China’s commercial banks in a unique national conditions, systems and economic environment should also seriously investigate the impact of non-interest income on the risks of commercial banks and strive to eliminate the adverse impact of non-interest income.