I try to give some contributions about it. (1) Aggregate data of the specific banks data is employed to research macroscopically structure of industrial organization.

• 本文在深入了解国外学者研究前沿后，力图在以下方面有所创新：（1）将产业组织结构中宏观的问题进行微观化研究，用微观数据的集合研究宏观问题。