With the Belt & Road Initiative, China's banking industry has expanded rapidly in overseas. From 2010 to 2017, the scale of cross-border lending by the Chinese banking industry has increased by 500%, reaching US$630 billion in 2017. In the same period, the growth rate of the U.S.'s banking industry was 13%, Japan's was 35%, and Europe’s was 5%. The rapid expansion has increased the pressure on overseas risk management and profitability. Considering the overseas management and operating capabilities of Chinese banks, it is difficult to safely navigate such rapid expansion and avoid the risks brought by the changes in overseas laws, economic policies, regulatory policies, and market conditions. What is needed to be cautioned is that the resistance faced by the Belt & Road Initiative will increase in the future, and the overseas expansion of China’s banking industry may become vulnerable.