Since 2011, “new normal” character of our country's economy, GDP began to grow slowly. Adopt the method of financial statement analysis, first of all ,seven of our listed joint-stock commercial Banks in 2011-2016 annual data management, secondly, using the weighted average model of provision for coverage, non-performing loan ratio, LDR, core capital adequacy ratio, capital adequacy ratio, such as risk indicators for building, according to the Basel Ⅲ specified in banking risk index contrast analysis the causes of risks and the existing problems ,and precautions in the new normal economy are joint-stock commercial bank's risk countermeasures and suggestions.