Learning from the research done by scholars from home and abroad,this paper used the three-stage DEA model to analyze the X-efficiency of 8 joint-stock commercial banks’Wuhan branch from 2003 to 2007.The result showed that there is a big difference between the X-efficiency adjusted by the environmental factors and the one which does not adjust,and the number of years for development is the important exterior environmental factor.This paper put forward some countermeasures to enhance the X-efficiency of the joint-stock commercial banks’ Wuhan branch,which includes reasonable investment,effective expansion of scale,positive marketing and innovation and the enhancement of risk management.