ANBOUND's senior researcher He Jun stated that China’s commercial banks seem to be "fated" to seek and pull for deposit, it has even become a significant survival principle whereby the banks’ performance is evaluated by the ratio of deposit and loan. Although their operational environment favors business with huge capital scale and high capital consumption but more challenges will follow. First is cultivate the “fake” culture amongst the banks; second is the ignorance towards the principle of freedom to access; third is potential corruption that caused by pulling deposit via illegal means. If the situation continues to develop without any control, China’s banking industry will suffer great risk sooner or later.