The first unsecured loan has aroused broad market attention in a traditional bank risk culture of stressing on security guarantees, particularly in the current situation of economic slowdown. ANBOUND think tank scholars pointed out that one of the main reasons that China's real economy is still facing difficulties is due to the toughness and expensiveness of financing in China. Being a substantial part of China’s financial system, commercial banks are shouldering the significant task to support China’s real economy. In an era of internet, banks should make full advantage of big data to develop their innovative businesses which will be beneficial to the growth of China’s real economy.