中文摘要：

本文测算中国商业银行全要素生产率及其存贷期限错配缺口，分析存贷期限错配对商业银行全要素生产率的影响。研究发现：考察期内，中国商业银行的全要素生产率呈缓慢增长态势，且存在较大的流动性盈余；期限错配对商业银行全要素生产率具有显著的正向影响，这种影响呈现出显著的倒U形特征；存贷期限错配对商业银行效率改善的影响显著为负，对其技术进步效应的影响显著为正，且这两方面的影响亦均表现出非线性特征。

英文摘要：

The paper presents a calculation of the total factor productivity （TFP） and the deposit-loan term mismatch of Chinese commercial banks, and an analysis of the impact of deposit-loan term mismatch on the TFP of commercial banks. It is found that the TFP of Chinese commercial banks shows a slow-growth trend in the sample period, and the banks have a large liquidity surplus; the term mismatch has a significant positive impact on the TFP, and the impact shows a significant inverted U shape; the impact of deposit-loan term mismatch on the efficiency improvement of commercial banks is significantly negative, but the impact on technological progress is significantly positive, and the two impacls show non-linear characteristics.