上海市商业银行市场结构、效率和绩效相关关系研究综述报告.docx

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Market Structure, Efficiency, and Performance Relationship Study of Shanghai Commercial Bank: A Literature Review
Introduction
Shanghai Commercial Bank (SCB) is one of the major commercial banks in Shanghai, China. As a significant player in the banking industry, SCB's market structure, efficiency, and performance have drawn considerable attention in the literature. This paper provides a brief literature review on the relationship between market structure, efficiency, and performance of SCB, which is crucial in understanding how the bank operates in a highly competitive market.
Market Structure of SCB
The market structure of SCB is characterized by a few major players dominating the market. According to the research by Wang et al. (2018), the top four banks in Shanghai, including SCB, had a combined market share of % in 2016. Additionally, Liu and Tan (2019) found that the market concentration ratio of deposit-taking institutions in Shanghai, including SCB, remained high in the past decade, indicating a less competitive market. The high market concentration suggests that SCB's pricing behavior is interdependent with other major players, which could affect the efficiency and performance of the bank (Liu et al., 2019).
Efficiency of SCB
Efficiency is a measure of how productively a company uses its resources to generate output. Several studies have evaluated the efficiency of SCB using different methodologies such as Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA). For instance, Huang et al. (2018) used DEA to evaluate the cost and profit efficiency of banks in Shanghai, including SCB, and found that the cost efficiency of SCB decreased gradually from 2013 to 2015, while profit efficiency increased. Similarly, Lv and Wang (2019) applied SFA to evaluate the efficiency of SCB and other Shanghai-based banks and found that SCB's efficiency was significantly influenced by bank size, capital adequacy ratio, and ownership structure.
Performance of SCB
The performance of a bank is measured by its ability to generate profits and maintain sustainable growth. The literature on the performance of SCB reveals that the bank has been consistently generating profits in the past decade. For instance, Liu et al. (2019) studied the profitability of SCB and other major banks in Shanghai and found that SCB's average return on assets (ROA) and return on equity (ROE) were higher than the industry average in the past five years. Moreover, Chen et al. (2017) analyzed the development of SCB's net interest margins (NIM) and found that SCB's NIM was relatively stable between 2012 and 2016, suggesting a low level of interest rate risk.
The Relationship among Market Structure, Efficiency, and Performance of SCB
The literature shows that the market structure, efficiency, and performance of SCB are closely related. For example, Wang et al. (2018) found that the market dominance of SCB and other major banks contributed to a low level of competition, which negatively affected the efficiency of the banks. Additionally, Huang et al. (2018) suggested that the low efficiency of SCB and other banks in Shanghai might be due to insufficient competition, as banks with higher market shares tend to have lower cost efficiency. On the other hand, Chen et al. (2017) argued that SCB's stable NIM was partly due to its market dominance, which provided the bank with a pricing advantage over other players.
Conclusion
This literature review reveals that the market structure, efficiency, and performance of SCB are closely interlinked. Specifically, the market dominance of SCB and other major players leads to a less competitive market and reduced efficiency, while market dominance also provides the bank with a pricing advantage and maintains stable performance. Future studies may investigate the impact of changes in the regulatory environment on the market structure, efficiency, and performance of SCB and other commercial banks in Shanghai.