The paper first views provisions in ECFA on the banking industry,analyzes the background and development course of the Mainland-Taiwan cross-strait cooperation of the industry as well as the distribution of Taiwan-funded banks in Mainland China and gives suggestions for the Taiwanese banks in or about to enter the Mainland market,to the effect that the target customers for the period immediately after their entry should be Taiwanese businesses active in Mainland China and the Changjiang river delta and Zhujiang river delta should be favored office locations for their high concentration of Taiwanese businesses.