The annual net interest rate of each bank exceeds 30%, which is more profitable than that of enterprises. What makes money?

1, loan interest difference;

2. The enterprise applies for the interest of the loan from the bank;

3. Intermediary business (such as agency insurance, fund sales, fund custody fees, etc.). );

4. Attract deposits through mortgage, that is, low interest rate, and then put these deposits to enterprises or individuals to seek spreads with high interest rates.

You should know that banks are all joint-stock or commercial banks. Without loans and intermediary business, there is no profit. Without profit, banks can't survive. This is an inevitable trend of social development, and this will not happen unless banks are transformed into financial institutions, but this country cannot afford it.

Interest difference between deposit and loan, intermediary business income (such as handling fee, remittance fee, account opening fee, inquiry fee, safe deposit box rental fee, etc. ), discount interest income from acceptance bills, letters of credit, custody business and other investments (few in China at present) in gold, futures and agency business (such as insurance).

From the perspective of political economy, if it is normal production capital, it will get average profit, and bank capital is also a kind of production capital. From an economic point of view, average profits can also be obtained.

However, the capital of a bank does not mean how much money people have saved, which is its total cost, but the pure capital that serves the bank.

Usually, banks use the difference between deposit interest and loan interest to generate profits.