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Abstract.With the accelerated pace of the global economic integration and China's "Belt and Road" policy, the opening degree of China is gradually increasing. The tendency is obvious that Chinese banking industry is directly facing the competition pressure of the international mature financial market. Bank efficiency measures the effectiveness of bank input and output, reflecting the competitiveness of banks. Taking the seven-years data of ten commercial banks in China as the research object, this paper uses the relevant economic theory, data envelopment model and all elements efficiency model and analyses the operating efficiency and overall efficiency of each sample bank based on the method of deapto provide some constructive suggestions according to the analysis results. Research Background and SignificanceBanking plays an important role in the national economy. Bank efficiency measures the efficiency of input and output of banks, reflecting the competitiveness of banks to a certain extent. The efficiency of commercial banks directly affectsthe competitiveness of the incidence risk. The study of the factors that affect the efficiency of banks can not only provide technical support for the development of the banks, but also can provide a theoretical basis for the policy-making of financial regulatory institutions. It is the practical significance of this research. Subject Theory BasisThe macro-control policy in China's market economy has a great impact on financial institutions, which comes from the national monetary policy, fiscal policy, credit environment and so on. A good credit environment plays a positive role in the management and efficiency promotion of commercial banks. The micro factors of the commercial bank mainly include the factors of the scale, asset allocation, asset quality, profitability, innovation capability and corporate governances. Evaluation Method of Commercial Bank EfficiencyDEA Theory.DEA (Data Envelopment Analysis) is applied to evaluate the relative efficiencies of several units with multi input and output departments. DEA method can be used to judge the relative locations of the decision units and the efficient production by the linear programming method,but also can reflect many valuable management information, which is one of the best methods in terms of application scope and effect. DEA Model.Assume there are n commercial banks. We select p input indicators and q output indicator. X ik and Y jk respectively represent the ith input indicator and jth output indicator of the kth commercial bank.v i represents the ith input; the u j represents the jth output; w 0 represents the relative efficiency. The CRS model is shown as follows: