It uses the three-stage Sbm-Dea model based on non-radial、non-angle and unexpected output to measure and analyze the total factor productivity of 28 listed commercial banks in china from 2009 to 2018. It analyzes the heterogeneous effects of State-owned commercial banks, joint-stock banks and city commercial banks. At the same time, the fixed effect model is used to empirically analyze the impact of financial technology on the total factor productivity of banks. First of all,the development of financial technology in commercial banks has a significant positive effect on the total factor productivity of listed banks, and the main path of action is to promote the innovation of commercial banks'' products and services.Secondly,compared with city commercial banks, this promotion effect is stronger for state-owned banks and large commercial banks, especially large commercial banks. Finally, when the efficiency is decomposed into pure technical efficiency and scale efficiency, the development of financial technology in commercial banks has a positive effect on the improvement of the pure technical efficiency of banks, indicating that the development of financial technology on the total factor productivity of banks is more reflected in technology progress.