中国银行业的市场结构与银行绩效关系研究——基于33家商业银行面板数据的实证检验

以33家商业银行1997—2004年的数据为研究对象，以赫芬达尔指数作为衡量市场结构指标，本文对中国银行业市场结构与银行绩效关系进行了研究。研究结果表明，市场集中度降低对四大国有商业银行盈利能力没有产生显著性影响，但削弱了其他股份制商业银行和城市商业银行的盈利能力。市场集中度与所有银行净利息边际存在显著的负相关关系，不能跨地域经营的城市商业银行净利息边际显著低于其他商业银行。因此应该适度放开城市商业银行经营的地城限制。并防止过度竞争。

Market Concentration and Bank Performance

This paper observes the relationship between market concentration and bank performance in Chinese banking sector by employing data of 33 commercial banks from 1997 to 2004 and Herfindahl index as measure of market concentration. Results show that decrease of market concentration have no significant effect on the earnings of four big commercial banks, but deteriorate the earnings of share holding commercial banks and city commercial banks. There is a significantly negative relationship between market concentration and net interest margins for all banks. The net interest margins for city commercial hanks that do not operate across the regions are lower than other commercial banks.