This dissertation studies the relationship between China¡¦s socio-culture and its financial system from the perspective of economic sociology. After denouncing the Marx-Lenin-Mao Ideology Deng Xiaoping adopted the ¡§Reform and Open Door¡¨ policy with an emphasis on the economic development as the supreme objective. As a result, the Chinese economy has grown at a speed faster than ever. Chinese are wealthier year after year and the social structure is much changed. The people are differentiated in its social classification. The richer middle class is consequently emerged and its proportion among population is increasing. Numerous labor-class and peasant are getting relatively poorer. Currently the Hu-Wen regime considers the domestic stability the first goal and the foreign exchange rate is not adjusted upward as much as expected. My research shows that the China¡¦s financial system and the policy-decision making obliviously are shaped by the influence of the China¡¦s socio-culture. In order to create the value of social justice, the function of People¡¦s Bank (the Central Bank) of China and four other specialized banks such as Chinese Construction Bank are thoroughly separated. Hu Jintao emphasized his governance ¡§for the people¡¨ to create ¡§social harmony¡¨ as his administration motto. This is a policy change in priority from efficiency only, to equity as well: a reflection from one extreme towards the middle-of-the-road in accordance with Confucianism. Key words: social culture, financial system, well-off society, society harmony