中文摘要：

文章在考虑规模报酬变动的情况下运用数据包络分析法（DEA）对我国29个地区金融业效率水平进行了测算,得出我国金融业效率水平整体低下,只有极少数地区达到有效生产前沿面,大多数地区的技术效率甚至低于0.5。在此基础上,运用计量经济模型对金融业效率的影响因子进行分析,结果显示：金融技术创新对其效率的影响尤为显著,同时市场化程度的提升也有利于提高金融效率,而金融集聚对金融效率的影响目前呈负相关。

英文摘要：

This paper, considering the changes in returns to scale, applies DEA model to measure the efficiency of financial industry of 29 regions in China. The paper finds that the overall efficiency of China＇ s financial industry is lower, with only very few regions reaching up to the efficient production frontier. ＇Fhe technical efficiency of most regions is even lower than 0.5. On this basis, the paper employs the econometric model to analyze the impaet factors of the efficiency of financial industry. The result shows that the impact of financial technological innovation on its efficiency is particularly significant. Morenver, the enhancement of marketization level is conducive to the improvement of financial efficiency, whereas financial efficiency is currently negatively correlated with financial agglomeration.