Commercial banks' participation in equity investment business is conducive to broadening financing channels, coping with horizontal competition and reducing systemic risks. However, due to policy restrictions, most banks currently take the form of indirect investment participation. Each model has its own advantages and disadvantages. It is suggested that the regulatory authorities design the system of direct equity investment of commercial banks, and commercial banks improve their internal management to promote the development of direct equity investment business. There are many such platforms now, and it is easy to be fooled if you are not careful or careless. Unlike Tencent's creation of space, we should keep our eyes open when choosing these platforms, so as not to be caught by unscrupulous merchants, and the loss will outweigh the gain.