The 21st century is a global economic environment, and it is an environment in which each country must operate and manage a system in a global financial environment based on the formation of continuous relationships with other countries. Therefore, this study started as a part of how China's commercial banks should respond in this global financial environment.
For the analysis, 13 commercial banks in China and 14 commercial banks overseas were selected as analysis targets, and DEAP 2.1 was used to measure the bank's technological efficiency, pure technological efficiency, scale efficiency, and productivity index. Tobit regression analysis was conducted on the data measured in this way to analyze the determinants of bank efficiency using the final STATA 16.0 program. The results show that: Liquidity and financial innovation have significant positive effects on the technical efficiency of commercial banks, while cost and cost have significant negative effects on the technical efficiency of commercial banks. Through the regression analysis of commercial banks of different nature, it is found that the influence of bank's own factors on the technical efficiency of banks of different nature is different. The results show that the technical efficiency of foreign banks is high, which plays a positive role in improving the technical efficiency of our banks. Because of the different operating characteristics, the ability of commercial banks of different nature to adapt to the market and development direction is also different. It is of great significance to further improve the efficiency of commercial banking, optimize the size of assets, enhance the bank's management ability and realize the coordinated development of bank's profit, security and liquidity.