Based on the balance of deposits in local and foreign currencies of financial institutions, in the first half of 2016, 8 cities including Beijing, Shanghai, Guangzhou and Shenzhen has entered the "3 Trillion Club" while Tianjin, Nanjing, Suzhou and Wuhan has reached 2 trillion, while 12 other cities including Xi'an, Zhengzhou and Ningpo has reached 1 trillion. However, Anbound’s field research found that more than half of the local bank deposit funds are not used for local economic development; the reason for this is that the supply, demand and intermediary sides of financing are facing no small problems. In this regard, the government should allow commercial banks to increase policy flexibility, introduce more local credit policy, and relax market access. Policies should be set to encourage financial innovation and to enlarge the financing market while encouraging the enterprises to develop to become consortium. The government should provide funds and introduce policies and credits, as well as provide necessary financing intermediary services, while maintaining the local credit environment.