银行利润的正文

2025-03-15 01:13:47
推荐回答(1个)
回答(1):


在资本主义制度下,指资本家投资经营银行业而获得的利润。其来源是工人在生产过程中创造的剩余价值。
资本家投资经营银行业,主要是从事货币资本的借贷,充当信用的中介人,并从事有关货币收付、结算、保管等业务。其目的是为了获得利润。
银行资本家把货币资本贷放给职能资本家。职能资本家利用贷款经营生产或商业获得平均利润以后,按照一定的利息率把平均利润分割成两个部分:一部分作为企业主收入,一部分作为利息支付给银行资本家。由于银行资本家贷出的货币资本中,有相当大的一部分是以存款形式吸收的职能资本中暂时闲置的货币资本,以及社会各阶层的储蓄,银行资本家也须对这些存款支付一定的利息。在一般情况下,存款利息率低于放款利息率。其差额便成为银行利润的重要部分。具体说来,银行的全部利润由下列各项构成:①银行用自有资本放款与投资所得的利息和股息;②银行用借入资本放款所得的利息与这些存款利息之间的差额;③银行用借入资本投资所得的股息与这些存款利息之间的差额;④银行买卖有价证券和外汇所得的利润;⑤银行经营汇兑、信用证等中间业务所得的手续费。从银行总利润中,扣除银行经营业务方面的支出,如职工工资、房屋修缮费、文具费、邮电费等等之后,便是银行的纯利润。银行利润的源泉同产业利润、商业利润一样,也来自雇佣劳动者所创造的剩余价值,是剩余价值一部分的转化形式。它体现着资本对雇佣劳动的剥削关系。

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