A tree topology is a special type of structure in which many connected elements are arranged like branches of a tree, and is often used to organize computers in a company's network, or information in a database. Tree topologies and Chinese banking system are both a highly centered and hierarchical structure, sharing a wide range of analogies. This article mainly studies the market value, under the circumstances of crossholdings, of individual banks in a banking system, as well as the reliability of the banks at different tiers of the supply chain. This paper analyzes how the network propagates the reliability discontinuities caused by faults. A tree topology model is exploited to facilitate the interpretation. In this model, each node has two branches and at each tier of the supply chain there is one leaf node that does not expand further. There are cross holdings within the same tier but not between adjacent tiers. This paper finds out the relationship of ones reliability with the respective position in the financial network. Two variables are taken into consideration: the multisourcing number as well as the complexity amounting to the level in which it is.In a nutshell, the bigger the multisourcing number is, the greater the reliability is. Also, the higher it is in the financial network, the greater the reliability is. In addition, the endogenous configuration of supply network provides a new method for the study of China's banking system.