With the increasingly tense political situation in Europe, the economic downturn in the energy crisis, the high energy prices and inflation, the tightening of European monetary policy, and the deterioration of the overall financial environment and financial conditions, the outside world began to worry that the risk of a financial crisis in Europe is rising. However, the author believes that after the US subprime mortgage crisis in 2008 and the European sovereign debt crisis in 2010, major European banks tended to be more cautious in lending, and continued to substantially replenish capital and enhance liquidity in accordance with the Basel Accord and regulatory requirements, which is general