In order to put into practice the requirement by the State Council to relieve enterprises from high financing cost through various approaches, relevant departments have set up a deposit deviation upper limit. But ANBOUND research team thinks that setting up a deposit deviation upper limit might lead to a further increase of enterprises' financing cost. Therefore, with an aim of reducing enterprises' financing cost, regulators need to match up with relevant policies, such as loosen or even abolish loan-to-deposit ratio indicators, so as to remarkably lower down the financing cost of enterprises, especially of those small and micro enterprises.