摘要：随着中国经济的快速发展，国民在金融理财上出现了多元化的趋势，中国的商业银行之间的市场侵占也变得越来越激烈。商业银行在加速侵占保守的存贷市场的同时，还拓展延伸了非利息收入的服务范围，从而将自己的盈利范围多极化。在这种思维的指导下，近几年非利息收入以40%的速度跳跃式增长。76894

就非利息收入的优缺点来看，左派和右派的想法不尽相同，甚至是针锋相对。保守的人看法是，非利息收入的发展与增长非常稳健其程度甚至超过了传统的收入模式。而且利率波动和经济周期对其的改变相对得来说还是比较迟钝的，对于非利息收入这个因素的反应并不是十分敏感。然而，商业银行收入结构及其非利息收入的结构受到哪些因素的影响？其业务在给银行带来新的利润增长点的同时对银行风险影响如何？我国商业银行的收入结构中的非利息收入与其风险之间又存在什么样的联系呢？这是一个事关我国商业银行稳健经营的重要课题，值得我们深入研究。

本文第一阐述了中国商业银行的收入结构，第二解释了非利息收入结构的近况，第三在了解当下银行背景的状况以后，本文将分析处理近几年以来的商业银行的主要监管指标情况，第四运用其数据进行建模，在建模的根基上进步一地阐述非利息收入的影响以及向银行服务业做出相关的提议。

本文研究的结果表明经济发展水平、资产利润率和净息差对我国商业银行非利息收入都有影响。在国内经济发展水平好的时候，资本市场会首先在个股股价上反应出来，国民个人和企业即将带来一波理财需求。所以GDP的发展和非利息收入的占比是成正相关的。银行总体盈利能力的提升不仅离不开银行自身净利息收入提升，而且都少不了多元化盈利带来的帮助。资产利润率与非利息收入的占比呈正相关。净息差是我国商业银行利息收入的收益率。从而可以得知，如果利息收入的收益率变高了，那么非利息收入的占比一定会随之降低。所以净息差与非利息收入占比是呈负相关的。

毕业论文关键词：商业银行；非利息收入；经济发展水平；资产利润率；净息差

Abstract With the intensification of competition among commercial banks in China, as well as the expantion of investment channels, the banks have been developing the non-interest income business as the means of expanding the business scope, optimizing the revenue structure and enhancing the innovation capability。 Under this situation, the non-interest income has been growing at an annual rate of more than 40% in the past two years。However, what effect on risk of banks besides the profit the non-interest income business may bring? This issue is relating the robust operation of banks in China。

The traditional view is that changes in non-interest income to changes in interest rates and less sensitive to the economic cycle, which is more stable than net interest income。 And in accordance with the views of the portfolio, non-interest income can pose a risk persification effect。 However, in recent years more and more literature began to question the advantages of non-interest income, a large number of empirical literature suggests that the deterioration of the risk profile of non-interest income of commercial banks。 So, in the end what factors affect China's commercial banks by revenue structure? How to optimize the revenue structure of China's commercial banks do? These are worthy of our in-depth study。

    Firstly, the current situation of China's commercial banks income structure and income structure of commercial banks will be analyzed and on this basis to the Agricultural Bank from 2011 to 2015 data as sample data, the factors affecting the income structure of the Agricultural Bank of empirical analysis, and then put forward a sound income structure of commercial banks on the basis of the recommendations of empirical analysis above。