关键词: 马克思, 银行理论, 实践价值

Abstract: Marx's banking theory is an important part of the Marxist economics. As argued by Marx, the formation of the banking system is premised upon the following five socioeconomic conditions: the transformation of interestbearing capital to moneydealing capital, the full development of the credit mechanism based on the commercial credit, the sufficient presence of the monetary demand, the multiple deposit channels for and increasing amount of the money flow, and the adequate development of bookkeeping. Marx presented a systematic elaboration of the operation mechanism of the banking system from three perspectives: the emergence of the bank credit, the functioning of the credit money, and the creation mechanism of the credit money. Marx fully recognized the positive role of the bank credit mechanism, but also revealed its negative effects in the capitalist mode of production. Marx's banking theory is of important guiding significance for China in the process of deepening the financial supplyside structural reform. Specifically, China needs to further improve its financial statistics and make up for the inadequacy in the financial data. It is also necessary to facilitate the development of the commercial credit and consolidate the foundation of the bank credit. And China should also optimize the payment mechanism to prevent systematic financial risks.

Key words: Marx, banking theory, practical value