资料来源：根据《中国金融年鉴》(2004～2007)、各银行相关年份年报数据计算而得

四、结 论

我国商业银行业的市场结构状况明显改良，竞争程度不断加剧；商业银行都在积极寻求上市以及并购行为来扩大自己的市场份额，确立自己的地位，其市场行为越来越注重效益性和安全性；商业银行股份制改革上市后使得银行绩效有着显著改善。

参考文献：

[1]刘剑、张晶.中国银行业市场结构、效率和绩效关系实证[J].长沙理工大学学报，2008，(9)：16—222.

[2]李百吉.我国商业银行结构、效率与绩效关系研究[J].中央财经大学学报，2008，(11)：32—77.

[3]杨公朴、夏大慰.现代产业经济学[M].上海：上海财经大学出版社，2005.

[4]杨建文.产业经济学[M].上海:学林出版社，2004.

Abstract:This paper carries out theory analysis and empirical study on market structure,market conduct and market performance based on the banking data from 2004 to 2007 about China's five commercial banks.The conclusion is that the market structure situation has greatly improved;the competition is becoming fiercer.Comercial banks actively become the listed companies to expand their own market share and establish their own status in the market;Their market conducts increasingly emphasis on efficiency and safety. The bank performance has notable advanced in our country banking industry .

Keywords:Commercial-bank  Market-structure  Market-conduct  Market-performance