This issue focuses on big data used to promote the transformation of banking outlets; how to build a data mart for banking credit risk from the basics; the interpretation of the implications of Circular No.42 on banking business; the discussion and analysis of the accounting treatment of the business of investment-loan linkage of banks; and the implications of blockchain technology on commercial banks and proposed countermeasures. These topics are receiving more and more attention in the banking industry, and we hope that our discussion will help our readers gain a firmer understanding. Furthermore, this issue provides an overview of the financial position and performance of listed banks in the third quarter of 2016, which will allow readers to better understand the overall performance of the sector.