This report provides a comprehensive analysis of national commercial banks in capital strength，asset quality，profitability，liquidity and other indicators. In general，in spite of the risks encountered in 2008 are serious，there is still a significant progress in the financial indicators of competitiveness made by the national commercial banks. Debt issuing becomes the most important way to add capita during this period and drives the bank’s capital adequacy ratio of a larger increase. But the problem of insufficient capital caused by the expansion of size are still serious in the small and medium banks. On the loan delivery，the national commercial banks increase the credits to national efforts in key areas and focus on the risk control in industry concentration. In the event of the international financial crisis and the adverse impact by the the downturn of domestic capital market，the national commercial banks are trying best to expand the size of credit spreads and reduce management costs in order to make more revenue. In general，the profitability of small banks are better than the large commercial banks，and the effective control of operating costs becomes the most important way used by national commercial banks to enhance the management capacity during this period. Besides，the quality of assets is improving by the efforts national policy and banks，but there are still some potential hidden risks the national commercial banks facing.