On the Concentration,Competition and Risk of China's Banking Industry
基于1995-2010年中国125家商业银行的非平衡面板数据，研究发现银行集中度与风险显著正相关，支持集中-脆弱性和竞争-脆弱性假说，且竞争并非中介变量。
This paper examines the relationship between bank concentration,bank competition and bank risk based on an unbalanced panel data of 125 commercial banks in China for the period of 1995 -2010.The results show that the bank concentration is significantly positively correlated with bank risk in China,which support theConcentration-fragility hypothesesandCompetition - fragility hypothesesto some extent Furthermore, we find that the bank competition isn't the mediator which leads to the positive correlation between bank concentration and bank risk.The government should reduce bank concentration by deregulating the banking industry and then to reduce the bank risk.