今年7月,中国银监会批准了首批3家民营银行的筹建申请。分别为:深圳前海微众银行、温州民商银行、天津金城银行。此举意味着我国金融改革向打破金融垄断的目标迈出了关键的一步。金融业暴利是我国当前金融业的突出特征。实体企业和商业银行之间存在悬殊的利润差距,企业利润向商业银行无限集中。如果仅仅是行业性质造就的金融业暴利,问题并不严重,可要认识到的是中国商业银行的金融暴利来源于金融行业的行政垄断,商业银行仅靠存贷差就可以“躺着把钱赚了”。如此背景下,高利润意味着实体企业不仅融资难,而且融资成本高、开支大,普遍 In July this year, China Banking Regulatory Commission approved the first batch of three private banks to build the application. Respectively: Shenzhen Qianhai Weizhong Bank, Wenzhou Commercial Bank, Tianjin Jincheng Bank. This means that our financial reform has taken a crucial step towards breaking the monopoly of finance. Financial industry profits are the salient features of China’s current financial industry. There is disparity profit gap between the real enterprise and the commercial bank, the corporate profits are unlimitedly concentrated to commercial banks. If only the nature of the industry created by the financial industry profits, the problem is not serious, but to realize that the financial crisis of China’s commercial banks from the administrative monopoly of the financial sector, commercial banks can only rely on deposit and lending can be lying Money earned ". In this context, high profits means that not only is it difficult for real enterprises to raise funds, but also high financing costs, large expenditures, and widespread