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A good relationship between the enterprise and bank is important for the firms to obtain loan in the banking dominated financial market. How to resolve the financing difficulties for the enterprise financing channels blocked became a much more important proposition. This paper examines the effect of the holding bank on bank loan from the perspective of political alliances. Using correlation data of shareholding Banks and credit funds, this paper found that as the credit policy uncertainty increased, more and more companies use shareholding Banks to get good relationship with the fact. Further study found that financial institutions holding 5% stake in these companies get more long-term loans. In the presence of more uncertainty of the external financial policy background, relying on financial institutions based on the ownership of marriage "equity", this paper provide an new perspective for an enterprise to obtain the cash needed. This paper has contributed to understand the firm financing mechanism from informal institution perspective.

“In-Laws Effect” of the Enterprise and the Bank Equity Marriage