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The financial industry is related to the economic lifeline of the country, and a deeper description is the first industry related to the development and destiny of the country. Research by the World Bank shows that since the 1970 s, there have been 117 systemic outbreaks in 93 countries and 51 localized banking crises in 45 countries. The promotion of financial stability has increasingly become a core function of central banks. After China's accession to the World Trade Organization, China is facing great challenges and new risks, maintaining financial stability has become a key factor to promote economic growth, is the healthy and stable development of the national economy and social