[abstract]: State-owned commercial bank is the main part of the financial field of our country , has the position of act enough importance in the national economy of our country . the state-owned commercial bank of our country will soon face join WTO challenge and the impact of the rear financial organization of foreign capital. this paper pass for the commercial bank bad asset of our country present situation and the analysis of cause, find out the commercial bank of our country exist on disposal bad asset difficulty, combine absorption abroad and the self special condition of our country in deal with the advanced experience on bad asset foundation on, start one have the disposal scheme of self characteristic, accelerate state-owned commercial bank bad asset change absorption and disposal, face at the back for joining WTO will open completely the competition on financial market remove trouble back at home, in order to strengthen the competition ability of the commercial bank of our country.