中文摘要：

研究目标：分析市场竞争度、非利息业务对商业银行效率的影响。研究方法：本文主要使用了SFA和动态面板GMM方法进行研究。研究发现：市场竞争度与银行利润效率和成本效率负相关，非利息业务与利润效率正相关，对成本效率影响并不显著；对于国有银行和股份制银行，手续费及佣金业务与利润效率和成本效率正相关，交易性业务与成本效率负相关；对于地方性银行，交易性业务与利润效率正相关，其余影响并不显著；随着竞争度的提升，非利息业务对银行效率的影响更趋向于负面。研究创新：研究分类非利息业务对各类银行效率的不同影响，考察了随着市场竞争度的变化，这种影响有何改变。研究价值：为监管者和商业银行在决策时提供参考。

英文摘要：

Research Objectives： The impact of market competition degree and non-interest business on the efficiency of commercial banks. Research methods： This paper uses SFA and dynamic panel GMM method. Research Findings： Firstly, market competition degree is negatively re- lated to the profit efficiency and cost efficiency of commercial banks. Secondly, for state- owned banks and joint-stock banks, fee and commissions business is positively related to the profit efficiency and cost efficiency, and trading business is negatively related to the cost ef- ficiency. For local banks, trading business is positively related to the profit efficiency, but the rest of the impact is not significant. Thirdly, along with the promotion of competition, the impact of non-interest business on bank efficiency tends to be negative. Research Innova- tions： This paper studies the different effects of classified non-interest business on the effi- ciency of different types of banks. Research value： This paper can provide reference to regula- tors and commercial banks when they make decisions.