中文摘要：

摘要：本文从部门一般均衡分析的角度采用面板数据，分析影响商业银行绩效的因素。研究发现，经济增长和通货膨胀对商业银行绩效有正向作用，而银行平均成本和不良贷款率对银行绩效有负向作用。应通过继续采取积极稳健的货币政策，深化银行业经营方式改革，完善银行风险防范体制，加强银行内部资金管理等措施，以应对商业银行利润增长率下滑、不良资产率持续上升的状况。

英文摘要：

This paper uses the classical economics theory and the equilibrium analytical method, analyzes the factors that af- fect the performance of commercial banks when the targets of the enterprise, the central bank and the commercial bank reach the equilibrium state. The paper finds that the inflation, economic growth has positive effect on the performance of commercial banks. On the contrary, non -performing loan ratio and average cost have a negative effect on bank performance. In connection with the downfall of banking profit growth and the incline of non - performing loan rate, the paper also put forward some relevant policy implications on banking institutional reform.