At last the econometrics model is put forward and we confirm that independent variables that the property right structure , the loan quality , the scale of bank assets , the capital adequacy , the income of banks " middle product and so on . then taking the efficiency values computed as the dependent variables . the research conclusion : these factors including the property right structure , the loan quality , the income of banks " middle product and the capital adequacy have an apparent effect on domestic commercial bank efficiency 最后，本文建立了计量经济学模型，对可能影响银行效率的因素进行回归分析。影响因素主要选取了资本充足率、不良资产率、产权结构、中间业务收入、资产规模，把这些影响因素作为自变量，用dea方法测量的银行效率值作为因变量，进行回归分析。结果表明：银行产权结构、不良资产率、中间业务收入、资本充足率对我国银行效率值有显著的影响作用。
