中文摘要：

长期以来,人们总是将银行业的诸多弊端归结于其垄断性,银行是否垄断事实上是一个实证问题。文章基于银行2006年至2012年的微观面板数据,采用双向固定效应方法,利用PR模型进行实证检验,同既有的文献结果相比较,实证结果显示我国的银行业仍具有相当的垄断地位,需要通过进一步改革以促进竞争。

英文摘要：

For a long time,it is believed that many of the banking problems in China are attributable to the banking monopoly. The banking monopoly is in fact a problem that may be empirically researched. Based on bank micro panel data from 2006 to 2012,and by using the method of bidirectional fixed effects,this paper adopts the PR model to conduct an empirical test. Comparing with the existing literature results,the empirical results show that banking industry of China is still affected by a considerable monopoly position,which needs further reform to promote the competition.