马克思平均利润与银行利润理论的现实意义  

Realistic Significance of Marx's Theory of Average Profit and Banks' Profit

作　　者：冯登艳[1] 余金轩 

机构地区：[1]郑州航空工业管理学院经贸学院,河南郑州450015

出　　处：《征信》2015年第8期70-73,共4页Credit Reference

基　　金：河南省软科学研究计划项目(142400410979)资助

摘　　要：银行业的自有资本的利润率大体上等于社会平均利润率。我国银行资本利润率明显高于其他行业,这不利于实体经济发展。中国银行业必须以合理利润(即平均利润)为价值取向,银行业必须回归服务实体经济的本原。这就需要深化金融改革,充分发挥竞争机制的作用,让市场在资源配置中发挥决定性的作用。The banking sector＇ s own capital profit rate in general is equal to the social average profit rate. The banking capital profit rate in China is significantly higher than that in the other industries, which is not favorable to the development of the real economy. It＇ s obligatory for China＇ s banking sector to seek reasonable profit （ i. e. , av- erage profit） as the value orientation, and return to the original function of serving the real economy. It＇s necessary to deepen the financial reform, put the competition mechanism into full play, and let the market play a decisive role in the allocation of resources.

关 键 词：利润 平均利润 银行业 金融改革 

分 类 号：F830.3[经济管理—金融学]