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To the period 2000 - 2007, this is the stage of the joint-stock commercial banks pushed 
up the process of a comprehensive restructuring of the banking system in order to consolidate and 
grow in the direction of strengthening financial management, simultaneously dissolved, merged 
, integration or re-sell the joint-stock commercial banks to pivot weak business performance. Time 
period the number of joint-stock commercial banks have reduced slightly compared to the last years of 
the 1990s.
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