当代金融服务劳动创造价值的功能

On the Function of "Financial-service Labor Creates Value" in the Present Times

金融商品是一种特殊商品,具有价值保值和增值的使用价值;金融活动可以分为消极的金融活动与积极的金融活动。在消极金融活动中,金融机构实现的价值增值额不属于价值创造,而是以虚拟的价格占有其他生产领域创造的价值。在积极金融活动中,金融从业人员的劳动创造了金融产品,创造了金融商品的使用价值,金融从业人员付出的社会平均的必要劳动也“对象化”、“体现”和“凝结”在金融商品之中和形成了价值;深入考察银行储蓄和信贷活动中从业人员所提供的三次服务劳动的整个过程,我们可以发现,银行从业人员的劳动耗费,只要是在社会必要的耗费的范围内,都应该加入形成金融产品的价值,银行利润不仅包含用贷企业转让给银行的剩余价值,也包括银行从业人员自身创造的剩余价值。

Financial goods, as a kind of special goods, is of use value featuring value maintenance and value increase. Financial activity can be divided into two kinds - negative financial activity and positive financial activity. In negative financial activity, the added value acquired by financial institutions can not be defined as value creation; instead it represents the value created by the virtual price's occupation of other productive areas. In positive financial activity, the financial practitioners' labor creates financial products as well as the use value of financial goods. And the average amount of socially necessary labor provided by financial practitioners is embedded and condensed in the financial goods to prove its value. By reviewing in depth the whole process in which financial practitioners provide service labor for three times in the savings and loan activities, we can find that the practitioners' labor consumption should be counted toward the value of the generated financial products so long as this consumption occurs within the socially necessary consumption. And the bank's profit includes not only the surplus value assigned to the bank by the borrowing enterprises but also the surplus value created by bank practitioners themselves.