The Relationship Between Regional Banking Market Structure And The Performance Of Rural Commercial Bank

Rural commercial bank, as a kind of typical local commercial bank, but not a long history of development, the first rural commercial bank Established in 2004, ten years from now, but his historical origins can be It goes backward to his predecessor Rural Credit Cooperatives--- a cooperative organization of rural financial institutions around the country. The current situation of China's economic development is that from the eastern region to the central region and then to the western region economic development level is gradually reduced. Eastern region with its own advantages to develop the first, has brought economic foundation for the reform of rural credit cooperatives. This part of the rural credit cooperatives, how well the business is doing now? Can play a role model for the central and western regions of the rural credit cooperatives? So it has positive practical significance to study the influence of the market structure of on the performance in rural commercial bank such a time.In this paper, based on the theory of industrial organization SCP paradigm, research on the market structure, operating behavior and performance of rural commercial bank. From rural commercial bank in deposit and loan market share and bank deposit and loan market concentration to analyze the rural commercial bank market structure and its position in the banking market, from the operating efficiency of rural commercial bank's profit, return on assets and other performance indicators to analyze the performance of rural commercial bank. Building a model, test the relationship between market structure and performance of rural commercial bank by using GMM dynamic panel regression method. The results of the study show that: rural commercial bank market structure from low oligopoly type II transition for type I competition market, the market concentration degree of the sample rural commercial bank efficiency on the performance impact is not significant, the market structure and performance has nothing to do; and the effect of market share and operating efficiency of performance significantly, enhance the share of performance have negative effect and efficiency improvement of performance has positive effect. The conclusion supports the correction of the efficient structure hypothesis, that changes in the performance of rural commercial bank by rural commercial bank's efficiency and accounted for in the market share of common influence, rural commercial bank market share is determined not only by operating efficiencies, but also on in the operating efficiency and has nothing to do with the other factors.