中文摘要：

互联网金融的迅速发展给商业银行经营带来巨大挑战,在经营模式转型的迫切要求下,我国商业银行业务不断创新,力图提高金融服务竞争力.本研究基于互联网金融冲击的背景下,通过建立DEA模型分别从综合效率、规模效率、技术效率对我国商业银行近10年的经营效率进行评价,并对模型的可靠性进行检验.提出在互联网金融竞争的严峻形势下如何提高我国商业银行经营效率的可行性优化措施.

英文摘要：

The rapid development of internet banking had bought a huge challenge to commercial banks. In the urgent demand for business model transformation, China＇s commercial banking business con- tinued to innovate, trying to improve the competitiveness of financial services. Under the impact of Inter- net--based financial background, we established DEA model and test reliability of the model to evaluate operating efficiency of nearly 10 years of commercial banks from the overall efficiency, sale efficiency, and technical efficiency. We propose optimization measures how to improve the operational efficiency of Chi- nese commercial banks feasibility in a tough financial situation of Internet competition.