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This paper selects the data from the 14 listed commercial banks from the year of 2007 to 2012 in order to study the influence of management incentive and intermediate business innovation on the commercial bank's operation efficiency. In this way, we can find the internal law and solve the problem of encouraging managers at the lowest risk to a certain degree. The core innovation in this research is that there is a new factor of intermediate business innovation. Compared to previous work, wefatcat:vy3sfjdbqvcwdmwzbieakx3kye