Self-owned capital includes working capital, which is extracted from self-owned capital and used for company operation.

Self-owned capital refers to the accumulated retained income of capital, capital reserve and its operating results, collectively referred to as owner's equity, which belongs to investor shareholders in essence. Bank's own capital, also known as bank capital, or owner's equity. Most commercial banks in the world are joint-stock companies, and their own capital refers to the investment of bank shareholders and the profits retained after tax. The self-owned capital of China's four wholly state-owned commercial banks mainly comes from financial allocation and after-tax profits. The self-owned capital of joint-stock commercial banks mainly includes: share capital, capital reserve, undistributed profit, provident fund and risk reserve, which represents the ownership of commercial banks.

Working capital is also called working capital. Working capital in a broad sense, also known as total working capital, refers to the funds invested by enterprises in current assets, including accounts receivable, inventories, other receivables, notes payable, notes received in advance, accrued expenses and other payables. In a narrow sense, working capital refers to the difference between current assets and current liabilities of an enterprise at a certain time (excluding cash and cash equivalents, as well as short-term loans).