Because of the Federal Reserve since 2004 successive interest rate increases and interest rates caused housing prices to float to produce a series of knock-on effect, resulting in the overall market fluctuations, the evolution of the global financial crisis. The second loan crisis on our country's financial institutions to form an actual loss, and the United States financial institutions holding substantial stocks and funds the Bank of China have caused tremendous losses. Because of increased financial globalization, sub-loan crisis on the impact of China's banking industry is also more widely. China's financial institutions, including all banks need to be drawn at this time of crisis, suffered the loss of lessons, required the Government and relevant departments to carry out its regulatory, scientific guard against similar risks in order to reduce the global financial crisis on the domestic banking sector losses. Therefore the risk to China's banking industry in the first place, to maintain its sound operation and sustainable development.