In this paper, mixed methods are used, with comparison and induction, to research on the market structure, the performance, and the relationship between them of China's commercial banking industry.

本文采用定量研究与定性研究相结合的方法，通过比较与归纳，研究我国商业银行的市场结构与绩效，以及两者之间的关系。

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Therefore, reduce market concentration and barriers to entry, increase product differentiation to promote competition, is conducive to further optimize the structure of China's banking industry.

因此，降低银行业市场集中度和进入壁垒，提高产品差别化从而促进竞争，有利于进一步优化我国的银行业市场结构。

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