The free flow of factors is an important condition for the integrated development of the Yangtze River Delta region. In the modern economy, finance plays the role of a mediator in resource allocation, which affects the flow of product, labor and other factor markets, realizes the coordinated development of regional economy, fair division of labor among regions, and promotes regional integrated development. Therefore, the key to financial support for the integrated development of the Yangtze River Delta is to optimize allocation of bank credit resources in the region. It is found that the integration of credit in the Yangtze River Delta has a realistic basis. The dispersion of the economic credit ratio of three provinces and one city continues to weaken, indicating that the credit density in the region has a tendency to converge. Meanwhile, national banks radiate Shanghai's surplus funds to Jiangsu, Zhejiang and Anhui through deposits and loans. The optimal allocation of credit resources in the Yangtze River Delta is the need of serving the national regional development strategy. At the same time, the actual financial operation also reflects certain regional characteristics. Therefore, it is necessary to establish and reorganize institutions across regions to build an effective carrier for credit integration; promote cross-regional business linkage to innovate and extend multi-dimensional product chain of credit integration; integrate social public information to create a dominant brand for credible Yangtze River Delta, and break the administrative division supervision to establish a new cross-regional functional collaborative supervision mechanism.
