2004年,我国国家控股的股份制商业银行进入彻底改革阶段,为了研究银行业市场结构是否因此发生显著变化以及该变化对经济增长的影响,本文以1984~2011年作为研究区间,基于邹至庄预测检验实证得出我国银行业市场结构在2004年确实发生了结构变化;银行业市场集中度对经济增长有着反向作用,并且这种反向作用在2004年之后程度有所减弱。 In 2004, the state-controlled joint-stock commercial banks of our country entered a stage of thorough reform. In order to study whether there is any significant change in the banking market structure and the impact of these changes on economic growth, this paper uses the 1984-2011 period as the research interval, The empirical test shows that the structure of the banking market in our country did change structurally in 2004; the concentration of the banking market has an opposite effect on economic growth, and this reverse effect has weakened after 2004.