中文摘要：

合作金融经过长达160多年的发展呈现出强大的生命力,本文利用欧洲16国、19家合作银行集团2008-2014年的面板数据,实证检验合作银行的存贷款市场份额、银行业危机与合作银行稳定的关系。结果表明,因合作银行独特的经营模式,无论是否发生银行业危机,合作银行存贷款市场份额的提高均增进了自身的稳定性。因此,坚持经营特色、巩固存贷业务市场份额对合作银行稳定经营和发展具有重要意义。

英文摘要：

After more than 160 years of development,cooperative finance has showed a strong force of life.Using panel data of 16 countries and 19 cooperative bank groups in the European over the period of 2008-2014,this paper investigates the relationship among deposit loan share,bank crisis and cooperative bank stability.The results show that increase in deposit loan share enhances the bank stability whether bank crisis or not because of the special operation model of cooperative banks.Therefore,cooperative banks should keep to the special management and strengthen deposit loan market share for its operation stability and development.