At present, the credit risks accumulated through business cycle evolution are constantly being highlighted and it seems to be the top priority for regulators and commercial banks to de-leverage. However, ANBOUND think tank scholars have different point of view as there is a significant advantage in China's economy compared to the west in terms of overall leverage thus China does not have to be over alert towards its economic risks. Instead, the country needs to grasp the partial and systematic risks besides structurally adjust its leverages via comprehensive fiscal and monetary policy tools in order to promote economic restructuring and sustain moderate risks.