Abstract
Bank Competitiveness is a concentrated reflection of China's financial strength. Using the Malmquist Index calculation method based on the DEA (Data Envelopment Analysis) approach, this study analyzes the performance of 26 commercial banks in terms of operating expenses, net fixed assets, net interest income, and non-interest income indicators. Through empirical analysis, the competitiveness of commercial banks is evaluated from aspects such as efficiency change, technological change, scale efficiency, and total factor productivity. The research findings indicate that although commercial banks have shown some improvement overall in different years, their progress in terms of production efficiency remains limited. Based on the analysis results, suggestions for countermeasures are proposed, including optimizing resource allocation, promoting continuous technological innovation, optimizing scale management, and establishing effective monitoring and evaluation mechanisms.
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