Shaohua (or Eric?),
if I understand correctly your question, the second configuration you are considering is the one used in three-level inverters (NPC, for example).
In the theoretical study of two-level
inverters (H-bridge), defining a neutral point at half the DC bus is just for simplifying the analysis (since you can define any point as null potential, you choose one that makes analysis simpler), but this doesn't necessarily correspond to an actual circuit.