As a credit voucher and a payment tool, the banking card has the superiority of convenience, safety and efficiency.

银行卡是一种支付工具和信用凭证，具有方便、安全和高效的优越性。

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Market structure of the banking industry as well as competition objective of Banks determines the industry's efficiency.

银行业的市场结构与银行的竞争目标决定了银行业的竞争效率。

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Efficiency of commercial bank is vital in the field of commercial banking research.

我国商业银行效率是商业银行研究的一个重要领域。

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" Economies of Scale and Efficiency in European Banking", by Paul Schure and Rien Wagenvoort, European Investment Bank, 1999.

ECONOMIST: Sources and acknowledgements

Moreover, it would be instrumental in fostering the efficiency of the internal capital markets and market integration in retail and corporate banking (see Barba Navaretti et al. 2009).

FORBES: Too Big To Fail Or Too Small To Maintain Stability?