It is not an exaggeration to say that China's finance is a hundred years behind that of the western countries. Anbound’s research team is of the view that because the financial sector and the real economy are separate entities, it is hard for the latter, especially private economy, to obtain solid financial support. Thus, they have to turn to usury financing. To change this situation, conglomeration of major financial groups needs to be strengthened in order to boost the development of the real economy and improve the capability of dealing with the volatile economic cycle.