Following stock market reform, the new round of institutional reform of commercial bank has gradually started. Recently, the Bank of China and Agricultural Bank of China also had submitted their proposals. ANBOUND think tank scholar suggests that the commercial banks, especially state-owned banks that are suffering from more than one trouble should speed up self-reform and address the following five challenges: how to resolve the bad debt risks that caused by economic structural transformation; how to adapt to integrated operation, construct multi-level capital market, marketization of exchange rate, internet finance and other problems.