This is notwithstanding a continued compression in the net interest margin resulting from competition , which was partly offset by a continued increase in non - interest income 尽管市场竞争令银行净息差持续受压，但由于非利息收入持续增加，抵销了这方面的部分影响，从而使银行取得佳绩。
This paper displays the influence of banks ' income structure and monomial technical efficiencies of interest income and non - interest income on banks ' overall efficiency of gross income , validates the conclusion that non - interest income has positive influence on overall technical efficiency of gross income of china ' s commercial banks and provides some policy suggestions pertinently 揭示了利息收入效率、非利息收入效率及收入结构对总收入综合效率的影响关系，验证了非利息收入对中国商业银行业总收入综合技术效率存在正向影响的论断，并有针对性地提出了政策性建议。
The result shows : all kinds of technical efficiencies of china ' s commercial banks are not well ; the efficiencies of joint - stock commercial banks are better than those of the commercial banks owned by the state ; technical efficiencies of interest income and non - interest income have positive influence on the overall technical efficiency of gross income of china ' s commercial banks ; the proportion of non - interest income to gross income has negative influence on the overall technical efficiency of gross income of china ' s commercial banks 研究表明：中国商业银行各类收入的技术效率状况不佳；股份制银行的各类收入效率水平均高于国有银行；单项收入效率对中国商业银行的总收入综合效率具有正向影响；非利息收入占总收入比重对国有银行的总收入综合效率具有负向影响。
Starting at retail of bonds , funds , deposit certificates and shares , more selling products will be sought from fund houses . innovative products , which are in line with the market demand and under risk control , should be pushed forward . by virtue of new product exploitation , banks can avert risks , adjust loan portfolio and increase income 开拓非利息收入业务，如积极销售债券、基金、存款证及股票等，进一步推出以市场化为取向的基金公司和基金产品，鼓励创新，凡是适应市场需求的品种，在有效控制风险的基础上，都应该积极推进。
Applying the stochastic frontier approach and data envelopment analysis , this paper evauates the overall technical efficiency of gross income and the monomial technical efficiencies of interest income and non - interest income of 14 commercial banks of china over the period from 1998 to 2003 , and analyzes the relationship among the interest income efficiency , non - interest income efficiency , the proportion of non - interest income to gross income and overall technical efficiency of gross income with regression equation 摘要利用随机前沿法和数据包络法，分别评价了中国14家主要商业银行1998 - 2003年间的利息收入效率、非利息收入效率和总收入综合效率，并利用回归方程分析了利息收入效率，非利息收入效率，非利息收入占总收入比重与总收入综合效率间的关系。
