Since 1978, the significance of CoTEs improves ceaseless in economy and Joint-stock Commercial Banks have become an important, energetic part in the entire bank system. After the theoretical analysis binding the practice of China, some conclusions are drawn. There is interaction mechanism between CTEs and Joint-stock Commercial Banks; CTEs promote the development of Joint-stock Commercial Banks by bringing profits and capitals and making service optimization; Joint-stock Commercial Banks drive the growth of CTEs th...