中文摘要：

本文在运用SFA法测度我国14家主要商业银行效率的基础上对外资银行进入水平影响商业银效率的“阙值效应”进行经验分析，并进一步考察了外资银行进入水平的适度性。研究发现：外资银行进入水平对商业银效率的影响存在“阙值效应”，但该效应并未因商业银行产权性质不同而存在显著差异。同时发现，自我国加入WTO以来，外资银行进入水平总体上位于适度区间内，外资银行进入对我国本土商业银行效率产生了积极作用。

英文摘要：

Based on the estimation of efficiency for 14 major commercial banks in China by using SFA method, this paper empirically examines the threshold effects of foreign bank entry＇s influence on domestic commercial banks＇ efficiency, and further analyzes the moderate level of foreign bank＇s entry. We find there are threshold effects of foreign bank entry＇s influence on domestic commercial banks＇ efficiency. However, this threshold effects show no significant differences between state-owned and non-state-owned banks. Furthermore, since China＇s joining in WTO, the general level of foreign banks entry stays in a moderate range, and foreign banks have played a positive role in improving operating efficiency of domestic commercial banks