近日,随着工农中建四大国有银行2011年业绩报告的相继出炉,各大银行在去年都赚得盆满钵满,四大银行的净利润总额达到6301.67亿元,相当于每天赚17.26亿元,继续引领中国上市公司最赚钱的行业。然而,在当前实体经济增速下滑,各行业利润普遍下降的背景下,银行业却保持利润高增长,使近期围绕“银行暴利”的讨论再次成为公众关注的焦点。其中息差的扩大功不可没,利息收入占比达80.7%。在银行利润强劲增长的同时,手续费及佣金净收入的贡献不容忽视。在改革之风甚浓的今天,破除行业垄断已经提上政府议事日程。温家宝总理日前在南方诸省调研时公开表态,银行获得利润太容易了,少数几大家银行处于垄断地位。我们现在之所以要解决民营资本进入金融,根本来讲,就是要打破垄断。并坚定地表示,“中央已经统一了思想,温州已经率先开始进行试点。” Recently, as the performance reports of the four major state-owned banks of workers and peasants in construction in the People’s Republic of China were released in succession, the major banks made huge profits last year. The total net profits of the four major banks reached 630.167 billion yuan, equivalent to 1.726 billion yuan per day Yuan, continue to lead the Chinese listed companies the most profitable industries. However, given the current slowdown in the real economy and the generally declining profits of various industries, the banking industry maintained its high profit growth and the recent discussions on “bank profits” again became the focus of public attention. The expansion of interest spreads contributed, interest income accounted for 80.7%. The strong growth in bank profits at the same time, net fee and commission income contribution can not be ignored. In today’s very dynamic of reform, breaking the monopoly of the industry has been put on the government’s agenda. Premier Wen Jiabao recently publicly stated in surveys in the southern provinces that it is too easy for banks to make profits and that a handful of banks are in a monopoly position. The reason why we now have to solve the private capital into the financial, fundamentally speaking, is to break the monopoly. And firmly said that “the central authorities have unified their thinking and Wenzhou has already spearheaded the pilot project.” "