目前，银行效率研究是金融研究领域内一个重要的内容，银行效率是银行竞争力的重要体现，提高银行效率对防范金融风险，促进银行业可持续发展至关重要。中国的商业银行效率研究已经成为中国金融的重要问题。本文利用目前国际上比较流行的效率分析工具——数据包络分析方法（DEA方法）的基本模型及其改进模型，重新定义模型的投入产出，对我国的15家商业银行1997——2005年的技术效率、纯技术效率和规模效率进行了实证分析。结果表明，我国商业银行存在着较大的技术无效率，但股份制银行的效率高于国有银行的效率。对银行规模与效率关系的实证分析表明,规模效率随着银行资产的增加，先上升后下降，说明银行的成本曲线是呈“碟形”的。国有银行的技术无效率主要是由规模无效引起的，但国有银行的效率在股份制改制后有所提高，说明股份制改革在一定程度上提高国有银行效率。本文还利用了DEA的扩展模型——超效率模型对我国商业银行效率进行测度，对银行效率重新进行了排名，尤其是对用DEA的CRS模型测度出来有效的银行进行排序。另外，本文还利用Malmquist指数对我国商业银行近年来的效率变化情况进行了分析，为我国商业银行的效率研究提供了更全面的信息。为广泛探讨我国商业银行效率的影响因素，本文利用面板数据的回归模型研究了不同因素对效率影响的相关性以及影响程度。得出影响我国商业银行效率的因素主要有：产权结构、盈利能力、资产安全状况、稳定性以及资产配置能力、规模等。在此基础上，本文提出了提高我国商业银行效率的政策建议。

At present, banking efficiency research is very important in the field of financing research. Efficiency is the essential embodiment of commercial banks competitive ability. Improving banking efficiency is really very important to prevent financial risk and promote sustainable development of banking industry. The Chinese commercial efficiency research has been the essential task.This paper utilizes the non-parametric frontier approach, data envelopment analysis(DEA), to analyze the technical and scale efficiency in Chinese banking using a recent cross-section sample. It is technology inefficiency of our commercial banks, and the state-owned commercial banks’ efficiency score is much lower than Joint-Equity Commercial Banks. Powerful size-efficiency relationships are established with respect to both technical and scale efficiency. With the assets of the bank increase, the scale efficiency levels gradually improve and then deteriorate, it clearly support for a relatively flat “saucer shaped” average cost curve in Chinese banking. The technology inefficiency of state-owned banks is caused by scale inefficiency. However, the efficiency is improved after the State Owned Commercial Bank Joint-Equity Reform.Based on the DEA super-efficiency model, Chinese commercial banks’ efficiency is measured. The result indicates that super- efficiency models are able to assess and sort all decision- making units. It utilize the tool of Malmquist efficiency index for the analysis of the latest changes in Chinese banking efficiency, which offers a complete information on the efficiency of Chinese commercial banks.This paper utilizes the Panel Data Model to analyze the factors which influence the Chinese commercial banks. It indicates that structure of property rights, earning ability, bank scale, resource distribution ability and adequacy ratio of capital. It gives the suggestions to improve the efficiency of Chinese commercial banks.