1.in the market view,the framework of market operation already establ**h and improve,the whole financial system and financial structure of operation of the basic reflected market principle,it ** the state-owned commercial banks to profit for the purpose of mixed operation of prem**e. 2.in the bank view,has been universally implemented the liability rate on assets management and r**k management,management r**k idea been enhanced,the rational management beh**ior significantly improved.the state-owned commercial bank self restraint mechani** of re**rced,also for implements mixes industry the management system to lay the foundation. 3.in the regulators view,the central bank to the superv**ion of the commercial banks h**e build basically the commercial banks internal audit superv**ion and management,and finally,preventive rescue operation three passes.a robust financial regulatory system framework has basic building up,and the trend ** mature. 4.in the financial legal terms view,the financial legal framework basic perfect.