China has gradually cancelled the restriction on operating foreign exchange in foreign capital financial institutions in China,and has successively opened the RMB operation in foreign banks in many cities of China in the past five years since China entered WTO in 2001.As a result,this paper u- ses SCP pattern of Harvard school to analyze market share,market centralization,diversity of bank products and bank's access barrier of China bank industry and draws the conclusion that China banks have high.access barrier,insufficient innovation t and are still oligopolistic.