CAJ | 학술논문

两次世界大战之间的1918—1936年是中国民族资本主义发展的重要阶段，同一时期中国银行业也显著成长。文章运用当时33家全国性中资银行数据，从银行产业组织理论视角并结合历史事实检验中国近代银行业格局的变化。结果显示，在无政府过度干预的条件下银行集中度会随着经济增长而逐渐降低，这说明在相对自由的市场环境中竞争性银行业结构更适合当时的国民经济发展。
량차세계대전지간적1918—1936년시중국민족자본주의발전적중요계단，동일시기중국은행업야현저성장。문장운용당시33가전국성중자은행수거，종은행산업조직이론시각병결합역사사실검험중국근대은행업격국적변화。결과현시，재무정부과도간예적조건하은행집중도회수착경제증장이축점강저，저설명재상대자유적시장배경중경쟁성은행업결구경괄합당시적국민경제발전。
The period from 1918 to 1936 was an important stage of national capitalism development, and was also accompanied by the quick banking growth in China. Based on the data of 33 nationwide China-owned banks and historical facts, this paper tests the changes in banking structure in modern China from the angle of the theory of industrial organization of banking. The result indicates that, without excessive government regulation, bank concentration gradually decreases with economic growth, which shows that a competitive banking structure was more compatible with national economic development then in a relatively free market.