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From the existing legal system, the existing management system, the existing business environment, the existing operations of the market and amount of capital flow and personnel to control these areas of China's commercial banking system status quo. Since China's accession to the World Trade Organization after the adoption of China's commercial banking system by the existing problems, these problems have been in existence, this paper presents a variety of effective reform measures, such as: speed up the shareholding system reform; internal sound corporate governance institutions; promote multinational operation; solve the non-performing assets, improve the central bank supervisory system and speed up the pace of the implementation of all-round strengthening of human resources management and business innovation and effective measures to implement specific solutions. After China's accession to the WTO and the commercial banking system as a whole to the development pros