The article examines the efficiency of Chinese commercial banks from 2007 to 2008 using a method called DEA. The study found that urban banks were the most efficient, followed by joint-stock banks and state-owned banks. The main reason for low efficiency was scale ineffectiveness. Factors like cost-income ratio, asset quality, profitability, and asset size were linked to bank efficiency. To improve efficiency, the study suggests optimizing bank management scale, innovating in technology, reducing cost-income ratio, and enhancing profitability and risk control.