China's banking association is considering to introduce self-regulatory bank deposit rules by restricting advance withdrawal of deposit interest rate. This is due to the rising demand of "Yu E Bao" (deposit businesses that initiated by Alibaba). ANBOUND’s research team believes that the initiative of self-regulations by the banking association indicates that internet finance has a huge impact towards the banking industry. Nevertheless, such self-regulations might violate anti-monopoly law and might be liable to be reviewed by the National Anti-Monopoly Bureau once it is being introduced.