In the context of supply-side structural imbalance and its effects have gradually emerged, the economic environment both at home and aboard is going worse, Chinese banks and over-expanded companies now is worrying about their declining profits and gloomy outlooks. The potential risk generated by bad loans will be inevitable, it has put greater pressure of debt-to-equity swap on banks. ANBOUND thus suggests the banks to actively vitalize the bad loan asset with flexibility, especially to ensure the debt-to-equity swap plan could help the involved companies to establish real modern enterprise institutions and business operational mechanism, increase the investment return ratio. Given the "moderate and steadiness "economic keynote in next year, Chinese banks have to pay more attention to their credit expanding strategies and do their best to reduce the new created bad loan size.