Value realization of biodiversity is an important means to encourage conservators to protect biodiversity and to build the positively interactive relationship between conservators and beneficiaries. It can not only promote biodiversity conservation, but also achieve sustainable economic and social development. The bio-banking system is an important means to realize the value of biodiversity. By protecting the endangered species, preserving, enhancing, restoring, and creating new species habitats, investors of conservation banks can obtain biodiversity credit. The investors can sell biodiversity credits to developers with compensation needs, and gain benefits from them, thus realizing the value of biodiversity. The United States, Australia and other countries have realized the value of biodiversity by implementing bio-banking system and trading biodiversity credit with the help of market forces, thus achieving the goal of biodiversity protection. On the basis of clarifying the concept and value of biodiversity, this paper systematically reviews the emergence and development of bio-banking system, the establishment and operation of conservation banks, and emphatically explains the value realization process of "biodiversity credit" transaction. On this basis, the study summarizes the experience of bio-banking system for China, and puts forward policy suggestions for establishing bio-banking system in China from three aspects:improving the species property rights system, biodiversity protection laws and other institutional safeguards; innovating the market operation mode of biodiversity conservation; strengthening biodiversity value assessment and biodiversity conservation performance evaluation. These efforts can provide reference for promoting the value realization of biodiversity products in China.