Abstract This paper measures the loan concentration of listed banks by HHI with regression model. It is found that the degree of industry concentration of listed banks declines and area concentration rises slightly. The results indicate that area concentration is related to ROE，and the higher area concentration, the profitability of listed banks has been improved. While the industry concentration has no marked effect on the profitability of listed banks. Area concentration and industry concentration has no marked effect on the risk of listed banks.
2012, Vol. 1 
