The ultra-high speed of the basic construction and the out-of-control of consumption funds had serious implications for bank credit and currency issuing. However, the bank, as the control and regulation department of the national economy, is inevitably defective in the regulation and control. These defects: financial macro-control goals are not clear or specific enough, the control method is not perfect, and severely weakened automatic adjustment mechanism micro-finance activities has brought significant difficulties to macro-control