On September 12th, CBRC(China Banking Regulatory Commission), Ministry of Finance and People's Bank of China jointly released a document aiming at regulating "rush to time-point" behaviors of commercial banks from three aspects: performance evaluation, business and setting up indicators for monthly-end deposit bias ratio. ANBOUND research team beholds that constant introductions of policies by regulators haven’t reduced scales of shadow banking, non-performing loans, or financing cost of small and medium enterprises. Instead, they have promoted malformed behaviors of commercial banks and “risks derived from policies”. Hence, the malformed bank regulations of this kind need urgent reform.