China's Commercial Banking Market Structure Judgment And Analysis

Finance is the center of the modern economy. It is very vital to research commercial banking's market structure to Banks, Government and Finance Supervising Bureau. It is demonstration tests, judgments and analysis from market focus degree, economy of scales, the capacity of development and performance.It is putting CR_n index, Lorenz Curve and HHI index into analyze the datum of 13 commercial banks in the weight of assets and organization numbers to take a test of the banking's market focus degree, which makes know that it is very monopoly market. Economy of scales analysis is to work out the minimum optimal scale in our country in regression of the datum of 13 banks, and then make a compare with the real datum. It concludes that diseconomies of scales of commercial banking market structure in our country, and states commercial banks are especially. The capacity of development and performance are also vital factors to affect banking's market structure. The result is that the capacity of development of stock commercial banks is better than states commercial banks, as well as that good performance of the states commercial banks is not material improvement. The two factors are not matching in commercial banks of our country, and the states commercial banks are also not better. The commercial banking structure in our country is the structure of very monopoly competition, diseconomy of scales and not matching of development and performance.