This paper is applied the Tobit panel model to analyze the driving factors of green credit efficiency by using Chinese commercial banks’ data from 2009 to 2019. Based on the undesirable-SBM-DEA model. this paper is attempted to construct the green credit evaluation index by incorporating carbon emissions. and evaluating the green credit efficiency of Chinese commercial banks. https://hollandscountryclothinges.shop/product-category/handbags/