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In table , there are seventeen banks with the average value of CRMPI greater than . over the period . They are Bank Links of London . The result represents that these DMUs have been improving their credit risk efficiency over the study period. Specifically, we find that CRMPI of Bank is always greater than for , and . This indicates that over the study period, the credit risk efficiency of Bank has been constantly improving. It is a good signal of the operation performance on credit risk management for Bank . On the other hand, the average values of CRMPI of Bank ,,,,and are less than . This means that the operation performance on credit risk management of the seventeen banks has been declining. This is a warning message for the seventeen DMUs. Matrix Analysis In order to understand the relevance between Links of London Big Apple Charm credit risk efficiency and productivity change on credit risk of the DMUs, we depict the mean of CRPTE and the mean of CRMPI of Taiwanese commercial banks over the period in Figure . In Figure , we employ the horizontal axis to represent the individual mean of CRPTE at each DMU over the period for measurement of the credit risk efficiency and the vertical axis to display CRMPI for measuring the productivity change on credit risk of each bank. We utilize the total average values of CRPTE and CRMPI to determine the threshold values. From table , we have the total average value of CRPTE . for the four years. links of london sale we obtain the total average value of CRMPI . in table . According to the threshold values . and . the commercial banks can be classified into four categories as follows. Banks with high credit risk efficiency and positive productivity change on credit risk management In total, there are fourteen banks, namely, Bank and .These banks have an average CRPTE above . and an average CRMPI above . Among them, Bank ,,,and have not yet reached the efficient frontier on credit risk management. They must improve the policy or the strategy of the credit risk management. However, compared to other banks, the fourteen banks are on the right track. The result shows that these banks should hold and gain the competition advantage on credit risk management Links of London Earrings improve their productivity over the evaluated periods. They should maintain and gain the greater competitive advantage and seek to find further improvements. Banks with low credit risk efficiency and positive productivity change on credit risk management They are Bank , and . They have an average CRPTE below . but an average CRMPI above .