中文摘要：

针对我国城市商业银行效率评价方法单一且区域化研究较少的问题,利用数据包络分析超效率模型对中部六省城市商业银行经营效率进行了评价,对其结果进行了进一步的投影分析,并在此基础上,运用Tobit模型分析了银行效率的影响因素。实证结果表明,人均营业费用和存贷比与银行经营效率成负相关,资本充足率与银行经营效率成正相关。

英文摘要：

For simplified methods and few regionalization research of evaluation on efficiency of city commercial banks,the paper evaluates its efficiency of the six provinces of central China using super efficiency model of data envelopment analysis（DEA）.The results are analyzed further in projection,and the Tobit model is applied to analyze the factors affecting efficiency.The results of the study show that per capita operating expenses and Loan-to-deposit ratio are both negatively related to the efficiency of these banks while capital adequacy ratio is positively related to efficiency.