为了解释银行业市场结构对经济增长的作用,本文选取中国GDP增长率作为反映经济增长的变量,银行业市场集中度CRn指数作为反映银行市场结构的变量,对其进行格兰杰因果检验,并得出以下结论:中国目前银行业的市场结构以国有四大商业银行构成的寡头垄断为主要特征,并且这种市场结构与中国经济增长只存在一定的正相关关系,仅存在偏高的低度相关关系。 In order to explain the effect of banking market structure on economic growth, this paper selects the growth rate of China’s GDP as a variable reflecting economic growth. The banking market concentration CRn index, as a variable reflecting the market structure of banks, tests Granger causality Draw the following conclusions: At present, the market structure of China’s banking industry is dominated by the oligopoly constituted by the four state-owned commercial banks, and there is only a certain positive correlation between the market structure and China’s economic growth. relationship.