Bank as the main traditional Japanese financial system, the biggest advantage is to be able to optimize the allocation of limited funds, however, the long-term economic growth, high savings brought enormous wealth accumulation and rising yen attracted large capital inflows, Japan funds in the early 1980s by the shortage becomes abundant up face of Enterprise "disintermediation" the tendency intensified and the weakening of the main bank system, relying solely on large corporate bank loans have been difficult to realize the need for banking development, strict separate operation also deeply bound their fists banks and other financial institutions in the capital markets. At the same time, the US-led Western developed countries criticize Japan's exchange rate policy, financial regulation calls for the elimination of open financial markets voices heard.