China's capital market is mysteriously changing day by day. The money supply has increased exceptionally on year-on-year basis, and the overall interest rate level of social financing has been lifted up. ANBOUND think tank scholars think that in an economy of high debt ratio and greater risks, it is the key to stabilize the basis of commercial banks through the means of lowering down social financing cost, increasing money supply and expanding the relending size. The Current social financing structure is unshakable and financial innovation has pushed up financing cost. Under this circumstance, the commercial banks should continue to undertake the role of a corridor for directional interest rate cut and inclusive finance before any reform can be conducted.