中文摘要：

次贷危机、金融危机乃至主权债务危机持续牵动着金融从业者的神经，金融系统的稳定性，尤其是银行系统的稳定性引起了业界的广泛关注。在金融一体化和金融自由化日益发展的今天，银行业竞争的格局也在发生着深刻地变化，那么，市场竞争到底是有利于银行系统稳定还是不利于银行系统稳定？通过从特许权价值假说、竞争稳定假说以及市场竞争对银行稳定影响渠道等方面，对该领域的研究成果进行系统的分析和评价，以期为国内相关领域的研究提供借鉴和启示。

英文摘要：

The subprime mortgage crisis, financial crisis and the sovereign debt crisis continued to af-fect the financial workers nervous. The stability of the financial system, especially the stability of the banking system caused the extensive concern of the industry. As the financial integration and financial liberalization increasingly development today, the banking competition pattern were also the profound changes, so, the market competition is conducive to the banking system stability but also not conducive to the banking system stability？ From the franchise value hypothesis, stability hypothesis to the influ ence channel of market competition on bank stability, this article researched achievements in the field of systematic analysis and evaluation, in order to provide reference and enlightenment for domestic re- lated research