in recent years,the profits of banks in china h**e gained a huge leap,making the"banking profiteering"become a hot **sue.th** ** analyzes the causes of such phenomenon in different perspectives such as the high interest rate spread under the interest rate regulation,the rubust development of economy,the banking monopoly,and the profits in intermediate business.it shows that the interest rate regulation,the development of economy and the banking monopoly all lead to the high-profit phenomenon.besides,th** ** analyzes the effect of the high profit of banks,and in the end come up with some policy suggestions to realize the marketlization of interest rate,to break the banking monopoly,to enhance the financial monitoring,and to broaden the financing channels of enterpr**es. all rights reserved by derek.