Abstract: The localization of the expository to bank convergence with the function efficiency theory and the difference of the same competitive strategy enforce drive the problem of competitive strategy efficiency to the frontline of study on the theory of commercial bank competition.The paper educes the important conclusion that the decided factors of competitive strategy efficiency of commercial banks are the three factors of resource,competence and environment based on the questionnaire investigation data and their multi-logistic analysis.Based on the above conclusion,we merge environment factor usually regarded as outside one into the determinative system of competitive strategy efficiency of commercial banks and present the logic model describing its determination course.

Key words: commercial banks, strategy enforce, competitive strategy efficiency, logic model