中文摘要：

利用不良贷款率、资本充足率和逾期贷款额对投入产出进行风险调整,构造了模糊SBM和Super-SBM模型,并运用该模型求解出基于截集的区间效率值,以此来分析风险因素对效率的影响。结果表明：风险因素对2015年我国13家商业银行效率都有不同程度的影响,并且随着风险因素的缩小,效率变动的幅度缩小;股份制商业银行普遍比国有商业银行受风险影响程度高。

英文摘要：

The non-performing loan ratio, capital adequacy and overdue loans are used to adjust the risk of input and output, and then the fuzzy SBM and Super-SBM model are used to estimate the efiiciency. The results show that the influence of risk factors on the 13 commvarious degrees. The less risk faced by banks is , the smaller influence othe risk factors is. Compared with the state-owned commercial banks, the risk finfluence on the joint-stock commercial banks.