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Relaxed supervision of bank system is the reason of economic crisis, however, too much and tight regulating to bank system is detrimental to economic recovery. Finding the appropriate degree of regulation is difficult

Maybe warned by the US's bad debts, and thinking of its own fast-growing credit in the real estate market, China keeps tightening its monetary policy and has increased the reserve rate for several times. It also sets limitations for the lendings to the real estate market, and urges banks to account other deposits, for example, notes margins, into the ranges of the reserves to keep in the central bank.
Although most of the large banks rank in the top 500 enterprises in the world with large profit, their stock prices are at low levels as other enterprises. And the banks are seeking for other opportunities to increase revenue. As a result, the commisson charge has become their major revenue instead of the loans. And many bank employees were hurrying to attract deposit at the end of June to ensure the standard for the adequacy of capitals were met regardless of the high interest offered.