中文摘要：

中国银行业在2006-2014年间的总资产、存款和贷款三个细分市场的集中度明显下降。CR4和CR8数值在2006-2014年间减小,银行业的寡头垄断格局向垄断竞争。存款和贷款市场的CR4均属于寡占III阶段,CR8均为寡占IV阶段,表明国有资本占主导地位。将17家样本银行分为大型商业银行和股份制商业银行两个子类样本。银行绩效随自身市场份额的增加而提高,一定程度上支持相对市场结构假说。银行的资产规模ASS、国民生产总值GDP和居民消费水平CPI与ROE有正相关性,说明大型商业银行的盈利能力主要受自身资产规模影响,GDP和CPI的变化同样会引起银行绩效的同向变化。银行的经营绩效与其所有制性质是否为国有不相关。降低银行业的制度性壁垒,提高竞争性绩效水平,是深化银行业改革的核心问题。

英文摘要：

The statistical description of concentration changes on China＇s banking industry from 2006-2014 shows that the concentration of total assets, deposits and loans decreased significantly. CR4 and CR8 of the three segments above decrease during 2006-2014, indicating that China＇s banking oligopoly structure is gradually developing towards monopolistic competition. The CR4 of total deposit and loan belong to oligopoly stage III and the CR8 are both oligopoly stage IV, showing that the state-owned capital dominates China＇s banking sector. The 17 top commercial banks are employed and divided into two Sub-samples： Sub-sample 1 is Large-scale Commercial Banks, and Sub-sample 2 is Joint-stock Commercial Banks. The performance of the large commercial banks grows with the increase of their market share, but the performance of the joint-stock commercial banks appears different change with the market concentration. Joint-stock commercial banks have X efficiency while large commercial banks have scale efficiency. Explanatory variable ASS, CPI and GDPGR of both samples positively and significantly correlate with ROE, which shows that the growth of commercial banks＇ profitability is mainly affected by the impact of their own asset size, the level of consumption and GDP growth. Besides, the ownership of banks makes no difference.