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宁磊经济理论：进步银行业务（原创首发）
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自从人类有银行业以来，银行业一直到做法都是吸收存款付息，发放贷款收息，付息和收息的差距形成银行的部分收益，这是银行服务于社会的主要方式。但是，这两个存款和贷款方式却一直是错误的和侵犯人权的。
银行吸收存款和管理存款，需要有人力和财力物力的支付，需要有管理费用的支出，那么，存款客户应当向银行缴纳存款费用，而不是从银行中获取存款利息。这个是错误的，侵犯了银行的权利。
银行发放贷款，发放的是客户的存款，客户存款由此受到贷款户破产后无法偿还的风险，而银行发放贷款并没有经过存款人的允许，这侵犯了春款客户的权利，其实是私自动用了存款客户的“存款”，实际上是一种“盗窃”和“盗用”行为，当贷款不能偿还事是“盗窃”，贷款能够偿还时是“盗用”。所以，银行的贷款业务实际是侵权行为。
进步银行业务应该是这样的：
一、银行吸收存款，收取存款费用。
二、银行不得从事贷款业务，银行只能从事贷款中介业务，在存款客户和贷款客户之间做中介服务，收取中介费用。如果无人存款也无人贷款，那么证明社会经济运行非常好。
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- 回复 leiningchina
- Progress banking business:
Ever since humans have the banking industry, banking industry has been absorbed deposit
interest, loans on interest rates, interest on interest rates the gap formed part of the
proceeds of the Bank, which is the main way of banking services in the community.
However, both deposits and loans has been an error and violations of human rights.
Bank deposits and deposit management, human and financial and material resources to pay,
the need for management of expenses, then, depositors should be paid to the bank deposit
costs, rather than obtained from the bank deposit interest. This is wrong, a violation of
the rights of the Bank.
Bank loans, the payment of customer deposits, customer deposits thus be unable to repay
loans to households bankruptcy risk, and bank loans without the permission of the
depositor, in violation of the rights of depositors, in fact secretly spent "deposit" of
the deposits of customers, in fact, a kind of "misappropriation". Therefore, the Bank's
lending business is the actual infringement.
Progress of banking business should be like this:
First, Bank deposits, charge deposit fees.
Second, banks are not allowed to engage in lending, banks can only engage in lending
intermediary business, intermediary services, collection agency fees for depositors and
loan customers. If there is no deposit, no one is lending, so that socio-economic to run
very well.
