This paper made an estimation of the capability of China's banking system.

Cross-sector operation has become the development trend for China's financial industry.

The profitability of banks is one of the key factors to assess whether the banking system is sound or not.

The balance and ratio of non-performing assets (NPA) of China's commercial banks tend to rebound with a constantly increasing speed.

Capital adequacy ratio (CAR) is one of the key regulatory indicators to judge whether a banking system is sound and stable.

China's interest rate liberalization is remarkably accelerated since 2014, arousing general concern from various quarters about the impact of banks' net interest margin.

Since 2012, the regular financial system in Wenzhou city has witnessed sustained risks which have loomed up along the enterprise guarantee chain with a large scale.