At the same time, for enterprises, in the process of financing, they will also choose the direct financing method with lower cost, which has a negative impact on the bank loan business to some extent. As for the above situation, some small and medium-sized Banks do not have enough capital to attract more customers by reducing the interest margin, and they do not have the credibility and strength of the big Banks, which leads to the small and medium-sized Banks are faced with severe challenges in their main business.