Through the study of the panel data of 17 listed city commercial banks in the five years from 2017 to 2022, the DEA-SBM-DDF model was used to measure their efficiency. The results show that the operational efficiency of urban commercial banks is generally high, but it shows a downward trend, and there are great differences in the management level among banks, and the operational efficiency of Bank of Beijing is the highest. Finally, the Tobit model was used to analyze the influencing factors affecting the operational efficiency of urban commercial banks, and the results show that the scale of Internet payment, asset scale and non-interest income non-performing loan ratio have a significant impact on the operational efficiency of urban commercial banks. The analysis results also have a certain reference role for other commercial banks’ goal setting, performance evaluation and job candidates’ selection of target commercial banks.

efficiency  /  DEA-SBM-DDF method  /  Tobit model  /  city commercial bank