中文摘要：

效率是金融机构核心竞争力的重要内容。本文运用因子分析法，对吉林省境内各类中小金融机构和国有大银行的相关效率指标进行了对比分析，得出吉林省中小金融机构的经营效率普遍高于国有大银行的结论。同时发现，吉林省的中小金融机构面临的主要问题依然是如何降低不良贷款率、提高资产质量。本文最後提出了完善公司治理结构、健全内部控制制度和突出区域特色的业务定位三个方面，是改追吉林省中小金融机构的效率的有效措施。

英文摘要：

Efficiency is very important in the core competition among the financial institutions. In this paper, the relative efficiency factors of small and medium financial institutions and Big Four in Jilin province are analyzed and it is found that the efficiency of small and medium financial institutions in Jilin is higher than that of Big Four generally. The main problem facing the small and medium financial institutions are still lowering the rate of non-performing loans and promoting asset quality. Then, three effective methods that can improve the efficiency of small and medium financial institutions in Jilin province are proposed, which are reforming corporate governance, improving internal control system and emphasizing regional services.