Followed the reform and open policy, the style of China's financial system continuously reform and innovation, the growth of urban commercial banks also won the amazing accomplishments, especially since entering the 21st century, urban commercial banks, through the process of equity reform, to introduce foreign capital and cross regional operation etc. methods into a step of progress the growth quality, the position in the banking industry to obtain a solid. As of 2012 at the end, the number of city commercial banks in China has reached 144, employing 337.5 million people, the total assets of 1.235 trillion yuan victory broke through the 10 trillion, ranking second only to the large state-owned commercial banks and joint-stock banks. But through the process back to the development history of urban commercial banks, we invented, city commercial banks at the beginning of the establishment of deeply branded on the mark of local authority. To small and medium-sized enterprises to provide financial support and for local economic growth to pave the way, led by the local government, social organization, enterprise and residents near invested into the city commercial banks in the administration of justice established authorities holding position. At the same time, because the investigation mechanism of our country local officials ignored, over valued goal of economic investigation mechanism will not only within a short period of time the accumulation of local government economic growth pressure, and local officials based on pressure to raise the encouragement will be excessive pursuit of economic growth, thus forming a local officials to enhance, and contest the economic increase in format. And authorities in the city commercial banks in the natural holding position just as local officials on the eve of the force of economic growth, slow pressure to improve supply convenient, especially premises government financing channel limited, financial expenditure cuts and the state-owned banks control weakened the dilemma in that local officials via governments platform of urban trade bank deposit action effect will double significantly. Not only that, local officials said differences characteristics will also configure of city commercial banks credit form a certain impact. On local government holding effects on city commercial bank performance has always been on the industry core, but most of the eve of the research are stay the impact of ownership assessment authorities of city commercial banks operating performance, not the local government effects on city commercial banks to promote the individual officials organized. The effects of pressure and enhance the political demand of the city commercial premises officials will deposit what kind of action based on the characteristics of the local officials? Differences will lead to different deposit? We should how to treat the relationship between local officials and city commercial banks? In the present stage of our country how to modify it official inspection mechanism this paper will enhance political officials? Based on the perspective of 91 city commercial banks in China in 2010 as the sample data, through the process of building officials and officials to enhance the impact of pressure index to assess the characteristics of target city officials on the premises of trade bank operations, and a mechanism of non-performing loans under the city commercial bank holdings of government in this analysis, basically how to modify the official study objectives to explore the effect of weakening, the desire is in the transition period of the city commercial bank reform Make a certain reference. The first international authorities of the actual impact on literature and coherent holding city commercial banks are briefly discussed, summarized the research present the category of popular and bias. We are from the invention, academic circles about the influence of city commercial banks, the authorities shareholders actual Nianye divided into two categories: one is the late authorities shareholders "indecent, the actual growth of" that the authorities can through adequate master process itself on micro economic conditions to encourage financial institutions to the society of private savings, for the action of the main body of supply market and business information platform in the process, in order to enhance coherent business and fulfill the perfect French, the reality that the positive effect to the government in the financial system; and the other is the shareholders "political indecent", the actual support of the scholars believe that the authorities of the city commercial bank all right occupation will happen "crowding out effect" to the society of private financing, operation management and will be in the shareholder right to intervene in commercial bank, the Bank of credit and operational effectiveness Have a negative impact on equipment city. Although academic circles about the local government controlled City Commercial Bank achievements the pros and cons of exist larger differences, but both think authorities on urban trade bank all right is widespread, and this kind of influence in the economic level is low, market level is not vigorous, regional economic system is not perfect is more likely to occur. International advanced coherent discussion focused on the other hand, the nature of equity impact of urban commercial banks operating performance, most of the research is through calculation for different types of banks between operational effectiveness difference method to assess the effect. Then follow the management practice muster, some scholars also test from the bank management structure from the perspective of groping affect the government shareholder in bank operating performance. In recent years, the field of concern hot concentrated in government shareholders on bank deposits action mechanism of and foreign academia started test from the point of view of government action to discuss the commercial bank credit set equipment, furnishings effect, also some international scholars test inspection examination from the process of the bank credit and deposits decision-making to analyze the authorities holding. Current international bank authorities shareholders results in the study, although in holding nature, operational performance, operational efficiency and made more results, at the same time, the authorities holding the mechanism of impact of the bank's profundity to the bank for detailed action, but these research results are still lack of to illustrate with reason and mechanism of the authorities of the bank. Secondly, the article discusses Nianye to stop growth status at the present stage of China's city commercial banks. Through the process of data analysis method of China's urban commercial banks exist the following problems: (1) the growth range of good and bad, city commercial banks between gap is bigger. (2) city commercial banks in operation in the process of the focus of cost dependence is strong, and the application of the subordinate cost object remains to be opened. (3) in our country city commercial bank deposit concentration is high, the provision did not stop response shrouded percentage of marriage, so deposit risk is bigger, degree of risk governance yet to be improved. (4) to deepen China's city commercial bank equity reform and external management, external management structure most of city commercial banks are floating on the situation, the local government internal control effect is serious. Again, because of China's city commercial bank growth started late, the market supervision and information disclosure system is not perfect, the city commercial bank to obtain relevant data is more difficult than nianye. In the empirical section, this paper through the process of query method of city commercial website and newspaper news data obtained nearly 120 City Commercial Bank, through the process of selection were initially selected 91 City Commercial Bank as the empirical research samples. In construction of an empirical model, this paper chooses the nine that variables of city commercial bank deposit action analysis, separated into: official promotion pressure, officials age, official degree, city commercial banks in the eve of the first shareholder and shareholding ratio, overseas investment strategy, cross regional operations, city commercial banks and the market index. At the same time, the officials to improve the structure of the target pressure, the originality, annual night literature investigation, this paper chooses from the city firm locations on the city's GDP increase rate, population growth rate, wages, unemployment, the local finance increase rate and office officials in six aspects to assess officials increase stress levels. In the quantitative aspects of the action of bank deposits, deposit, deposit color with industry risk and total deposits of three kinds of targets to stop description. In the empirical analysis, this paper also set up 6 assumptions, through the empirical test results are showed as follows: (1) assume that the 1 "official promotion pressure and city commercial deposits is proportional to the mass" was established. (2) assume that 2 officials and old city commercial deposit is proportional to the mass was declined. (3) assume that the 3 "official educational degrees and city commercial deposits is inversely proportional to the mass was declined. (4) assume that the 4 "nature authorities shareholders and shareholding ratio and bank deposit is proportional to the mass" was established. (5) assume that 5 of overseas investment, cross regional operation of city commercial banks and the deposit is inversely proportional to the mass "was established. (6) assume that the 6 "City firm location area market index and the deposit is inversely proportional to the mass" was established. Thereafter, articles on the assumption that 1 basically continued to discuss the city commercial banks non-performing loans constitute a mechanism and eventually invented local officials for the demand and the pressure of the ascension and city commercial banks credit set equipment, furnishings, through deposit concentration, growth construction and other relevant sectors of the amount of deposit to supporting local economic growth, resulting in the occurrence of non-performing loans of urban commercial banks. To this end, this paper also proposes a new officials inspected the goal to assessment the weakening influence of the local officials of the city commercial banks deposit action effects and eventually through verification method in officials inspected the target increase Nianye plain nearly students, environmental factors such as accounted for ratio can reduce the accumulation of non-performing loans in the city commercial banks. At first, the article proposed about the effect of coherent conclusions and suggestions of local official bank action trade city. Chapeau, lifting pressure is the eve of the local officials would interfere with the city commercial banks credit set equipment, furnishings, eventually forming a non-performing loans, in the long run, the financial market stable growth is adverse. Secondly, leads to overseas investment, to complete the cross regional operation of city commercial banks can raise the deposit quality. First, the study supports the argument of "political authorities shareholder indecent". So the city commercial banks in the future the transformation should be double pay more attention to management and optimization of equity, in order to weaken the local officials administrative interference effect, also want to actively modify our existing official inspect system, accelerate the innovation measures of government financing platform.