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under the construction of OBOR (One Belt And One Road), the transformation of China's banking industry speeds up the pace, but during the transition, bank neglects the talent management, resulting in serious brain drain phenomenon. Therefore, in this paper, we analyzed the characteristics of knowledge-based employee, based on the formation process of knowledge-based employee’s psychological contract, analyzing the psychological contract violation to impact the development of knowledge-based employee in State-owned Commercial Bank (SOCB). Through the improvement of salary system, the adjustment of performance evaluation mechanism, the establishment of good personnel management mechanism, the perfection of personal career planning to improve the loyalty of employees ,then to cope with the impact of the external

The Study on the factors and Countermeasures of knowledge-based workers' loyalty in state-owned Commercial Banks - based on the Psychological contract theory