A Study On The Concentration Degree Of China's Commercial Banks And Its Impacts

Commercial bank loans,as the main assets of commercial banks,its reasonable use and risk control,have a great significance to the long-term stability of the development of commercial banks.As the pillar industry of the financial industry,the long-term stable development of commercial banks is directly related to the development of national economy.How to evaluate the use of commercial bank loans is reasonable,one of the very important indicator is the concentration of commercial bank loans.This paper will study the distribution characteristics of 24 listed banks loans.Through the analysis of the concentration of 24 listed banks,and then according to the China Banking Regulatory Commission on the classification of commercial banks,respectively,large commercial banks,the national joint-stock commercial banks,local commercial banks three different types of commercial banks summary analysis.And draws the different distribution characteristics of different commercial banks in three different dimensions of loan concentration.This paper chooses to use the Herfindahl-Hirschman index to measure the concentration of bank lending industry.In the choice of variables,To keep the data's representative considerations,this paper decided to select the return on net assets-dilution,to measure the income of commercial banks,from the data representation and feasibility considerations,decided to use non-performing loan rate to measure the risk of commercial banks.The concrete conclusion is that the loan industry,regional concentration and commercial bank income is negatively related,and the risk of commercial banks is positively related,and customer concentration,the risk of commercial banks are positively related to the risk.Finally,this article for different subjects,given the corresponding feasibility of the proposal.