Toimprove bank efficiency can be done by change E/A, liquidity rate, operatingexpenditure/operating receipts, income of commission charges/total income,ROA and interest receipts/total income.

• 为了对银行有更深入了解,从风险、成本、收益三个方面分析与效率的关系,建议从E/A、流动性比率、营业费用/营业收入、手续费收入/总收入、ROA、利息收入/总收入等几个指标的改善来提高银行效率。