Efficiency Measurement of China’s Commercial Banks Under the Background of Digital Economy–Based on DEA-Malmquist Model

With the wide spread of China's digital economy, the banking is also in the development of continuous innovation and gradually towards intelligent.As the pillar of the banking, how commercial banks adapt to the background of digital economy to play a more meaningful role and produce more efficient is worth in-depth study.Collecting the data of 16 commercial banks in 2014-2020, the paper gives actual measurement on bank efficiency by using the Data Envelopment Analysis (DEA), and compares the efficiency size and change trend of commercial banks with different attributes.It is found that for state-owned commercial banks and national joint-stock commercial banks, the core reason for the reduction of comprehensive efficiency is scale efficiency, while for urban commercial banks, the pure technical efficiency mainly leads to their reduction of comprehensive efficiency.Moreover, the overall level of total factor productivity of banks in China shows the result of rising, and technological progress factor plays an indispensable role in the growth process.Finally, the paper provides some suggestions to further perfect the efficiency and development direction of China's commercial banks.