Analysis of the Impact of Interest Rate Liberalization on Financial Services Management in Chinese Commercial Banks

Table 1

Research variables and their meanings.

Variable type	Symbol	Name	Formula	Meaning
Explained variable	ROA	Return on total assets	Net profit/average total assets	Earnings performance
	NIIR	Proportion of noninterest income	Noninterest income/operating income	Profit structure
Explanatory variables	NIS	Net interest spread	Interest income/interest-earning assets-interest expense/interest-paying assets	Interest rate liberalization
Control variable	SIZE	Asset size	LN (total assets)	Commercial bank size
	LD	Loan deposit ratio	Loan amount/deposit amount	Loan proportion
	CIR	Cost-to-income ratio	Operating expenses/operating income	Costs and expenses
	RNPL	NPL ratio	Nonperforming loans/total loans	Costs and expenses
	CAR	Capital adequacy ratio	Total capital/risk assets	Risk prevention
	NPL	NPL provision ratio	Loan loss provision/nonperforming loan	Risk prevention
	GDP	National economic development	GDP annual growth rate	Macroeconomic conditions
	BDR	Bank deposit contribution rate	Total deposits in the banking sector/GDP	Financial industry development
	SR	Securitization rate	Stock market value/GDP	Financial industry development
	TPP	Third-party payment	Third-party payment scale/banking assets	I-finance
	P2P	P2P transaction	P2P transaction volume/banking loan balance	I-finance