After comparing two kinds of main financing system performances,China's financing system has not really realized marketability,at a certain degree the distortion still exists,the reason lies in the defect of structure inside and macro-environmental reform of outside of the financing system itself lags behind.The origin lies in the defect of the relation between bank and enterprise,namely the relation of bank and enterprise is not all real financing subjects,which cause the financing behaviors of enterprises to make a variation.Seeing that endogenous consistency exists in the financing behavior mode and the financing system,advancing the reform of financial institution,promoting monetary system,capital market and small and medium-sized enterprises financing system innovation,and realizing the rational return of enterprise's financing behavior make it change to the financing mode relying mainly on stock financing of stock market towards financing mode relying mainly on intermediary of the bank.It is a rational choice of the financing mode of Chinese enterprises.