本文選題：商業(yè)銀行　切入點：社會責(zé)任　出處：《湖南大學(xué)》2008年碩士論文

【摘要】： 企業(yè)社會責(zé)任是指企業(yè)在謀求股東利潤最大化之外所負有的維護和增進社會利益的義務(wù),是對企業(yè)絕對營利性的修正,是建構(gòu)企業(yè)與社會和諧關(guān)系的一種基本思想。商業(yè)銀行以金融資產(chǎn)和負債為經(jīng)營對象,其業(yè)務(wù)的公共性和社會性決定了其承擔(dān)社會責(zé)任的正當(dāng)性和必然性。 商業(yè)銀行社會責(zé)任的內(nèi)容具有特殊性,在一般生產(chǎn)型企業(yè)比較突出的人權(quán)保障、勞工權(quán)益和公共環(huán)境保護問題等方面并不那么引人關(guān)注。商業(yè)銀行的社會責(zé)任有直接的責(zé)任對象,商業(yè)銀行社會責(zé)任的內(nèi)容應(yīng)以利益相關(guān)者為中心,對債權(quán)人的社會責(zé)任表現(xiàn)為構(gòu)建全面的風(fēng)險管理體系,對資金需求者負有效率配置資金社會責(zé)任,對消費者的社會責(zé)任主要是提供優(yōu)質(zhì)服務(wù)。商業(yè)銀行通過貸款方向、對象控制,履行對環(huán)境和資源的間接的社會責(zé)任,此外,對弱勢群體的慈善責(zé)任也是商業(yè)銀行社會責(zé)任的題中之義。 現(xiàn)階段,我國商業(yè)銀行承擔(dān)了一定的社會責(zé)任,但從總體上看,商業(yè)銀行社會責(zé)任觀念匱乏,有關(guān)社會責(zé)任的法律法規(guī)等強制性規(guī)范的缺位,國內(nèi)商業(yè)銀行履行社會責(zé)任缺乏系統(tǒng)性,隨意性很大。通過對企業(yè)社會責(zé)任與法定義務(wù)關(guān)系的考察,不難得知,道德義務(wù)與法定義務(wù)之間其實“只有一種遙遠而直接的關(guān)系”,企業(yè)杜會責(zé)任已經(jīng)超越道德教化,法定義務(wù)是企業(yè)社會責(zé)任具體落實的發(fā)展趨勢。因此,必須通過制度上的設(shè)計和立法上的吸納,將商業(yè)銀行社會責(zé)任落實到商業(yè)銀行的經(jīng)營行為中。在目前這個大環(huán)境下,要使得社會責(zé)任成為銀行的自覺行動和普遍行為,需要從宏觀、中觀和微觀三個層次來構(gòu)建商業(yè)銀行社會責(zé)任的整體框架,需要一個不斷完善的法制環(huán)境來強制,一個良好的政府來引導(dǎo),一個不斷發(fā)展的行業(yè)組織來監(jiān)督,一個適宜的公司治理結(jié)構(gòu)來控制,以及濃厚的企業(yè)文化來鞏固。
[Abstract]:Corporate social responsibility (CSR) refers to the obligation for enterprises to maintain and promote social interests beyond the maximization of shareholders' profits. It is a revision of the absolute profitability of enterprises and a basic idea of constructing a harmonious relationship between enterprises and society.Commercial banks take financial assets and liabilities as their business objects. The commonality and sociality of their business determines the legitimacy and inevitability of their social responsibility.The content of commercial bank's social responsibility has its particularity, and it is not so noticeable in the aspects of human rights protection, labor rights and interests and public environmental protection.The social responsibility of commercial banks has direct responsibility object, the content of social responsibility of commercial banks should take the stakeholders as the center, and the social responsibility to the creditors should be reflected in the construction of a comprehensive risk management system.The social responsibility for the efficient allocation of funds to the capital demanders, and the social responsibility for consumers is mainly to provide quality services.Commercial banks perform indirect social responsibility to environment and resources through the direction of loan, object control, and charity responsibility to vulnerable groups is also the meaning of social responsibility of commercial banks.At the present stage, commercial banks in our country have assumed certain social responsibilities, but generally speaking, the concept of social responsibility of commercial banks is scarce, and the laws and regulations on social responsibility are absent.The domestic commercial bank performs the social responsibility lacks the system, the arbitrariness is very big.Through the investigation of the relationship between corporate social responsibility and legal obligation, it is not difficult to know that the relationship between moral obligation and legal obligation is "only a distant and direct relationship", and the corporate social responsibility has gone beyond moral enlightenment.The legal obligation is the development trend of the implementation of corporate social responsibility.Therefore, it is necessary to implement the social responsibility of commercial banks into the management behavior of commercial banks through institutional design and legislative absorption.In the present environment, in order to make social responsibility become the conscious action and universal behavior of banks, it is necessary to construct the overall framework of social responsibility of commercial banks from three levels: macro, meso and micro.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2008
【分類號】：F832.2

【引證文獻】

相關(guān)期刊論文 前2條

1 郭丹;竇玉前;;金融企業(yè)的社會責(zé)任[J];法學(xué)與實踐;2010年02期

2 郭丹;竇玉前;;金融企業(yè)的社會責(zé)任[J];中國商法年刊;2009年00期

相關(guān)碩士學(xué)位論文 前6條

1 武晨鳳;我國商業(yè)銀行企業(yè)社會責(zé)任報告比較分析[D];蘭州大學(xué);2011年

2 強海霞;經(jīng)濟倫理學(xué)視角下商業(yè)銀行社會責(zé)任問題研究[D];山西財經(jīng)大學(xué);2011年

3 �；勖�;興業(yè)銀行社會責(zé)任履行情況分析[D];吉林大學(xué);2011年

4 李江賢;我國商業(yè)銀行的社會責(zé)任定位研究[D];華東政法大學(xué);2009年

5 李娟;我國商業(yè)銀行社會責(zé)任研究[D];安徽大學(xué);2010年

6 楊倩倩;商業(yè)銀行社會責(zé)任實現(xiàn)制度化研究[D];中央民族大學(xué);2012年

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本文編號：1721312