采用随机前沿方法研究我国四大国有商业银行和九大股份制银行2008-2013年间的成本效率,发现我国商业银行的效率在2009年达到了最高点,商业银行效率和货币政策存在同步效应。然后采用tobit模型对影响我国银行成本效率的宏观和微观因素进行分析,发现我国商业银行应该通过控制成本和风险,提高非利息收入水平,利用外资银行的管理优势和技术溢出效应来提高自身的效率。 Using stochastic frontier approach to study the cost efficiency of the four state-owned commercial banks and nine major joint-stock banks in China from 2008 to 2013, we find that the efficiency of commercial banks in China reached the highest point in 2009, and the efficiency of commercial banks and the monetary policy have the same effect. Then using the tobit model to analyze the macroscopical and microcosmic factors affecting the cost efficiency of our bank, we find that our commercial banks should improve their efficiency by controlling the cost and risk, improving the non-interest income, using the management advantages and technology spillover effects of the foreign banks .