In 2013，the banking regulation took regulatory policies and measures in credit default risk，off-balance-sheet risk，shadow banking risk and other risks in key areas，with regarding the precaution of systematical risk and regional risk as the bottom line . In 2014，the banking regulation will respect market’s decisive role in allocating resources，push banking marketization and promote regulatory system inform the perspective of market access，routine supervision，market-withdrawal，etc. Regarding to the evolution of financial risks，the regulatory authorites will take flexible regulatory measures to optimize banking governance structures，regulate non-credit operations to precaution the systemic and regional risk，and promote development of the real economy.