Abstract: The influence of the foreign banks’ risk control ability on the interest rate is analyzed. And optimization methods are used to discuss the strategy of bank interest rate choice in multiple terms. Then a theoretical model is constructed to analyze the bank risk control ability with respect to the technology transfer and technology demonstration. It shows that the only way to promote local banks actively implementing technology transfer and increase the operating efficiency of local banks is to encourage foreign banks with an appropriate risk-control capability gap to local banks’ entering the market and/or implemente the appropriate risk control technology.