Abstract
There's a lot of uncertainty in the global financial system due to trade, political, and unforeseen issues. There are dangers and uncertainties in China's domestic financial market due to the ongoing effect of the global economic climate and the impact of the new coronavirus pandemic. Nonetheless, the conventional financial sector, which is controlled by commercial banks, continues to have a dominant position in China's financial system, with the traditional credit business model serving as its primary business model. As a result, the primary subject of this essay is commercial banks, a common kind of financial organization. The combination of the Malmquist Index Model with the new network DEA model takes into account the real circumstances faced by Chinese commercial banks. The three phases of the credit business operation process of commercial banks are capital buildup, loan issuing, and profit generation. To observe the effects of recent domestic market uncertainties and the high risk of emergencies like the epidemic on traditional financial institutions dominated by banks, this paper measures the efficiency of credit business of 26 listed banks in China from 2016 to 2022 and analyzes the operational efficiency of credit business of Chinese commercial banks from both static and dynamic perspectives. As a result, Chinese commercial banks and other established financial institutions are better equipped to reduce risks and uncertainties and support the steady growth of the country's financial sector.