With the recent Chinese financial regulators paying more attention on blocking past regulatory loopholes, affected by this, the bond market and the stock market fell again and again, while bank outsourcing funds are also withdrawing in large number; the market is quite concerned on the impact of this to the banking industry. We believe that the banking industry as the backbone of China's financial system, its interbank deposits and outsourcing loans arbitrage model are subjected to greater regulatory pressures; the recent withdrawal of funds is largely part of this trend. In this process, some small and medium-sized banks will see the increase of financial risk; the choice of bank investment will not only be limited to bonds, various types of bank business strategies will also change accordingly.