China's central bank recently has announced the asymmetric interest rate cuts and deposit interest rate cap raise, which means the reform of deposit interest rate market has moved step forward. ANBOUND think tank scholars believe that after raising the rate, the commercial banks also announced the upward adjustment one by one. The operation of the banking industry will shoulder a pressure of shrinking net interest margin. They are supposed to promote the efficiency on operating assets and liability to offset the loss caused by the raising interest rate. In this context, the regulators should further remove the financial control, reform regulatory approach, and call for deep reform on finance and tax