中文摘要：

近些年来，经济危机与金融危机的频繁发生，使人们越来越意识到金融固有的脆弱性。银行作为重要的金融机构，其内在的脆弱性也引起越来越多学者的关注。因此，对银行脆弱性的测度成为非常重要的问题。本文试图通过对国外银行脆弱性内生经典理论的分析，提炼出引起银行脆弱性的因素，构建测度银行脆弱性的指标，并对我国五大国有商业银行的脆弱性进行初步测度。

英文摘要：

Recent years the economic crisis and the financial crisis occur frequently, people are increasingly aware of the inherent fragility of the financial. Bank as an important financial institution, its inherent vulnerability also attracted the attention of more and more scholars. Therefore, the measure of the vulnerability of banks has also become an unavoidable problem. This paper attempts to in - depth analysis of the classical theory abroad, regarding endogenous as a priority, to extract the causes of vulnerability of banks as index to measure the vulnerability of hanks, and the vulnerability of China~ five state - owned commercial banks were simply measured. This paper found their vulnerability was quite different before and after listing, and the economic crisis in 2009 has a great impact on the banks of vulnerability, especially loan growth.