Foundations of the Structure-Conduct-Performance Paradigm in Banking
通过构建银行企业模型，严格推导并评估了银行业中结构-行为-绩效范式下最常见的检验关系，包括贷款利率、存款利率和银行盈利与市场集中度的关系，并指出过去实证研究的隐含假设，为未来实证实施提供建议。
This paper employs an explicit model of the banking firm to derive formally, and thereby assess critically, the most commonly tested relationships implied by the structure-conduct-performance paradigm as it applies to the banking industry. These include the relationship between loan rates and market concentration, deposit rates and market concentration, and bank profitability and market concentration. The necessary assumptions and simplifications implicit in past empirical studies are outlined and suggestions for future empirical implementation of the underlying model are presented. Copyright 1991 by Ohio State University Press.