中文摘要：

银行股权集中度与治理结构有着密切联系，股权集中度影响银行经营绩效。运用委托代理理论，对我国上市银行股权集中度对激励机制、监督机制、约束机制绩效的影响进行分析，并通过实证检验，得出以下结论：（1）我国十家上市银行股权集中度均属于相对集中型和高度集中型，不存在分散集中型。（2）上市银行股权集中度与银行绩效具有显著相关性：股权集中度高，激励机制、监督机制都不能有效发挥作用，上市银行的绩效差；反之，股权集中度较低，股东有提高业绩的动力，银行绩效较好。（3）股权高度集中，不利于提高银行的绩效。

英文摘要：

Degree of shares concentration is an effect on banks＇ operating performanc.e closely related to corporate governance, and produces Using principal-agent theory, this paper analyses the impact of shares concentration of China＇s listed banks on the performance of incentive mechanism, supervision mechanism and restraint mechanism, and comes to the following conclusions by making empirical tests：（1） China＇s 10 listed banks are characterized by relatively concentrated equity or highly concentrated equity, and dispersed equity takes up a much lower proportion; （2） banks and bank shares concentration was significantly correlated with performance： the higher the concentration of equity, a relatively poor performance; the lower the concentration of equity, the better performance of banks; （3） equity highly concentrated is not conducive to raising the bank＇ s performance.