Money-capital invested in operating banking business to obtain bank profit. Marx pointed out that the bank capitalist invests in a bank for the purpose of making a profit, and should make an average profit. Bank profit = interest income on loan–interest income on deposits–costs of banking business; it is a part of the surplus-value created by industrial workers in the production process. Bank capital is divided into own capital and borrowed capital according to property, and borrowed capital is all kinds of deposits absorbed by the bank, which is the main part of bank capital. Own capital is the capital invested by the bank capitalist to start the bank, which only accounts for a small part of the bank capital…
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