The result shows : all kinds of technical efficiencies of china ' s commercial banks are not well ; the efficiencies of joint - stock commercial banks are better than those of the commercial banks owned by the state ; technical efficiencies of interest income and non - interest income have positive influence on the overall technical efficiency of gross income of china ' s commercial banks ; the proportion of non - interest income to gross income has negative influence on the overall technical efficiency of gross income of china ' s commercial banks 研究表明：中国商业银行各类收入的技术效率状况不佳；股份制银行的各类收入效率水平均高于国有银行；单项收入效率对中国商业银行的总收入综合效率具有正向影响；非利息收入占总收入比重对国有银行的总收入综合效率具有负向影响。
