With the advent ofthe new century,Chinesejoint-stock commercial banksgenerallyhas gone throughhercarveperiod,intoa new erawith morecompetition and innovation.In the new situation,we muststudy the new situation,seize new opportunities,new ideas,to adopt new method,to solve the new problems.Especially,we must carefully study andanalysis ofjoint-stock commercial banksare at astage of development,facing thebusiness environment,in full compliance withthe laws of history,controlrealbusiness situation,grasp the futuretrend of development,to explore the developmentstrategy andtactics of the new.This paperthinks,Chinesejoint-stock commercialbank is at acriticalstage of development,there is an urgent need to implementa series of financial innovation,in order to promote thefinancial deepening andfinancial reform,and on this basisto realize the sustainable development ofjoint-stock commercial banks.
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