At present, the scale of bad debts of the banking system in China is expanding and the risks of commercial banks are increasing. Local financial institutions like commercial banks in urban and rural areas generally do not know how to deal with the bad debt pressures and the decline of the credit system. Anbound's research team believes that in addition to broadening the channels of capital supply, the banks should strengthen the monitoring and evaluation of hidden risks and should not be excessively innovated, while traditional business should adhere to the idea of "simplification and return to the main business"; management level should be strengthened, and the direction of the transformation should be towards "light capital" and “light cost”, seizing the new changes in personal consumer market and in intermediary businesses.