This paper used constant coefficient of random effects model to analyze the relationship between
market structure and market performance of Chinese bankcard industry, selected 1500 groups of
panel data from 15 most influential commercial banks in China from 2003 to 2012. Real
evidence demonstrated a negative correlation between market concentration and performance in
China's bankcard industry, and a positive correlation between market structure and performance.
Based on the empirical findings, some suggestions were given in the end of the part.