As far as the commercial bank is concerned, management efficiency becomes a predominant factor influencing the achi evement and development of banking industry, which will, in turn, affect the national macro-economy.

• 当我们将焦点集中于商业银行时，管理效率问题就会直接影响到商业银行的绩效与发展，进而影响整个国家的宏观经济运行。