From the perspective of banks' risk resistance, the loan-to-deposit ratio case should not be too high, because banks have to deal with the daily cash withdrawal and daily settlement of customers, which requires banks to keep a certain cash deposit reserve (that is, the bank's deposits in the central bank or commercial banks), such as the loan-to-deposit ratio is too high. This part of the funds will be insufficient, which will lead to the payment crisis of banks. If the payment crisis spreads, it may lead to a financial crisis, which will do great harm to the regional or national economy.