At present, the spread income ratio of China's banking industry is rare among its peers all over the world. Why is it so high is because of the control of interest rates. If interest rates are opened and balanced according to market demand, interest rates will inevitably fall sharply. However, it is necessary to keep pace with the marketization of exchange rates and let global capital flow freely. This is also the only way for China to open to the outside world. For this reason, if China's banking industry does not practice its internal strength in the past two years, but suppresses the new "baby", it will be difficult to face the situation of interest rate marketization.