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Cooper et al. presented that the frontiers have piecewise linear and concave characteristics which leads to variable returns Links of London scale VRS characterizations with a increasing returnstoscale occurring in the first solid line segment followed by b decreasing returnstoscale in the second segment and c constant returns to scale occurring at the point where the transition from the first to the second segment is made. BCC model Links of London Bangles used to evaluate the pure technical efficiency PTE and the scale efficiency SE. The associated outputoriented BCCDEA model is . In this paper, we employ model to evaluate credit risk technical efficiency CRTE, and use model to evaluate credit risk pure technical efficiency CRPTE and credit risk scale efficiency CRSE. Malmquist Productivity Index MPI To estimate productivity change for each DMU, we define that xeRTM and y e rs denote an input vector and an output vector of a DMU in period i, t l..T . The production possibilities set PPS is defined as . PPS* is assumed to be closed, bounded, convex, and to satisfy strong disposability of inputs and outputs. The output distance function is .. The PFsub is the outputoriented production frontier. The distance function in model Links of London Gingerbread Man a withinperiod distance function, defined using period data and period technology. And ysub t,xsub t denote the output and input vectors of DMU at time t . The output distance function for DMU at time , relative to the technology existing at time t , is defined as . Therefore, the outputoriented MPI for DMU in period t is defined as .And the outputoriented MPI for DMU in period t is defined as .The geometric mean of adjacentperiod outputoriented MPI is .In model , when .In order to measure productivity change on credit risk over the study period, we employ model to calculate credit risk Malmquist productivity index CRMPI. The method is output orientated Malmquist DEA. It is defined in model measures distance from observed inputoutput vectors in one period to the technology in another period. THE DATA This study used DEA model in conjunction with financial ratios to assess the credit risk efficiency of Taiwanese commercial banks. Links of London Bee Charm obtain the data from Taiwan Economic Journal TEJ database and annual report of our sample. This set should be as homogeneous as possible to be meaningful within the DEA relative efficiency measurement characteristic.