The private banks are finally entering the implementation phase followed by policy relaxation, hot public discussion and name list released. Every pilot private bank across the country is trying to break away from the regulation restrictions and set up a private bank according to their own concepts. It is necessary for the emerging private banks to make sufficient estimation on the potential difficulties to raise actual interest rate, to face economic slowdown and increasing credit risks. The private banks are expected to have a hard take-off and ought to face numerous difficulties.