Evolution of the Efficiency of Nationwide Commercial Banks in China Based on an SBM-Undesirable Model and DEA Window Analysis

Table 7

Tobit regression results for impact factor analysis of technical efficiency.

Variables	Coef.	Std. err.	z
NIIR	0.0159	0.0024	6.63	0.000
CIR	−0.0105	0.0036	−2.95	0.003
NIM	0.1512	0.0414	3.65	0.000
TIFA	0.0117	0.0022	5.26	0.000
CPI	0.0139	0.0051	2.71	0.007
_cons	−1.1820	0.5270	−2.24	0.025

Significance within the level of 10%; significance within the levels of 5%;significance within the level of 1%.