Fuzzy statistic clustering theory may be applied to establish a subject function taking safety degree of banks as a clustering criterion to classify for quantitative analysis, and Shishou River is taken for an ins tance. The result shows that the safety degree of Beimenkou reach is smaller than that of others,which is verified by its frequent bank-fail ures,meanwhile that fuzzy statistic clustering theory can be applied for the stu dy on bank-failures.In addition,the domain for every class can be decided correctly by the models self-regulating func tion and the samples that were initially classified to unapproprite classes are adjusted to appropriate classes,which eliminates the adverse effects caused by m an-made subjective factors to make analytic results more objective.