發(fā)布時間：2018-06-25 05:28

  本文選題：國有商業(yè)銀行 + 經(jīng)濟“新常態(tài)”�。� 參考：《青島大學(xué)》2017年碩士論文

【摘要】：由于我國經(jīng)濟發(fā)展過程的特殊性,我國銀行業(yè)體系組成比西方經(jīng)濟社會銀行業(yè)體系更加復(fù)雜,其中國有商業(yè)銀行作為我國特有的銀行種類,由于自身規(guī)模和國有控股兩個原因,對整個社會經(jīng)濟運行有絕對的控制力,在我國經(jīng)濟資源再分配過程中占有主導(dǎo)地位,國有商業(yè)銀行的經(jīng)營狀況對我國各類經(jīng)濟活動和社會發(fā)展有重要的影響。中國經(jīng)濟由過去持續(xù)的高速發(fā)展進入到以結(jié)構(gòu)調(diào)整為目標(biāo)的中高速發(fā)展的“新常態(tài)”時期,在這一特殊時期,商業(yè)銀行需要更好的發(fā)揮經(jīng)濟調(diào)整杠桿作用、承擔(dān)更多的社會責(zé)任,已經(jīng)成為社會各界的共識。由于歷史和政策原因,我國國有銀行相比普通商業(yè)銀行具有更強的社會公共性,決定其在經(jīng)濟轉(zhuǎn)型這一特殊時期,不僅要承擔(dān)普通商業(yè)銀行應(yīng)盡的社會責(zé)任,還要更多的承擔(dān)政策引導(dǎo)工作。近年來,隨著經(jīng)濟改革不斷深化,國有商業(yè)銀行履行社會責(zé)任的負面消息和報道引起了社會各界的持續(xù)關(guān)注,國有商業(yè)銀行正處于一個兩難的境地之中,一方面是社會、政府要求國有商業(yè)銀行更多的承擔(dān)社會責(zé)任,犧牲部分企業(yè)利益,另一方面是國有商業(yè)銀行自身作為經(jīng)濟活動的參與者,在經(jīng)濟環(huán)境大變革時期,自身經(jīng)營發(fā)展面臨巨大的挑戰(zhàn)。本文認為解決國有商業(yè)銀行履行社會責(zé)任兩難困境的關(guān)鍵,在于明確國有商業(yè)銀行社會責(zé)任內(nèi)容,分析問題的現(xiàn)狀和產(chǎn)生問題的原因,進而提出相應(yīng)的解決對策。本文在研究中發(fā)現(xiàn),國有商業(yè)銀行社會責(zé)任履職困難產(chǎn)生的原因主要是內(nèi)部經(jīng)營理念缺失和外部監(jiān)管環(huán)境不夠完善兩方面。因此,我國在外部監(jiān)管環(huán)境尚不十分完善的情況下,解決我國國有商業(yè)銀行社會責(zé)任履行欠缺問題的主要入手點應(yīng)該是改善國有商業(yè)銀行內(nèi)部經(jīng)營理念,通過建立有效的內(nèi)部考核體系促進主動履職,盡可能充分利用外部激勵、監(jiān)督措施,使國有商業(yè)銀行逐利性和公共性達到均衡狀態(tài)。本文從國有商業(yè)銀行履行社會責(zé)任現(xiàn)狀為出發(fā)點,在對企業(yè)社會責(zé)任基礎(chǔ)理論分析的基礎(chǔ)上,以Z國有商業(yè)銀行社會責(zé)任內(nèi)部管理考核體系為例,深入分析了國有商業(yè)銀行履行社會責(zé)任的主要成績和問題,并提出了針對建議,全文共有五章組成。第一章包括本文的研究背景和研究目的,介紹了本文的研究方法和創(chuàng)新點,并對國內(nèi)外理論研究情況進行了總結(jié)評述。第二章對國有商業(yè)銀行履行社會責(zé)任有關(guān)的核心理論進行了解釋和辨析,明確了經(jīng)濟“新常態(tài)”時期國有商業(yè)銀行企業(yè)盈利和政策引導(dǎo)兩大核心職責(zé)。第三章詳細介紹國有商業(yè)銀行履行社會責(zé)任的發(fā)展與現(xiàn)狀,并對經(jīng)濟“新常態(tài)”時期國有商業(yè)銀行履行社會責(zé)任的特殊性進行了解釋,指出了其在特殊時期履行社會責(zé)任的問題和原因。第四章選取Z國有商業(yè)銀行社會責(zé)任考核管理體系為示例,對其履行社會責(zé)任的具體措施和效果進行分析。第五章針對所研究的問題,提出合理的對策和建議。
[Abstract]:Because of the particularity of our country's economic development process, the composition of China's banking system is more complex than the western economic and social banking system. Among them, the state-owned commercial banks, as the special types of banks in our country, have absolute control for the whole social and economic transportation because of their own size and state holding two reasons, and the economic resources are divided in our country. The operation status of the state-owned commercial banks has an important influence on all kinds of economic activities and social development in China. China's economy has entered a "new normal" period with high speed of structure adjustment as the target of structural adjustment from the past and high speed development. In this special period, commercial banks need to play a better role. The economic adjustment of leverage and more social responsibility has become the consensus of all sectors of the society. Due to historical and policy reasons, China's state-owned banks have more social public nature than ordinary commercial banks, and decide that they should not only bear the social responsibility of the ordinary commercial banks but also more social responsibility in the special period of economic transformation. In recent years, with the deepening of economic reform, the negative news and reports on social responsibility of state-owned commercial banks have aroused the continuous attention of all walks of life. The state-owned commercial banks are in a dilemma, on the one hand, the society, and the government demands that the state-owned commercial banks take more social responsibility. At the expense of the interests of some enterprises, on the other hand, the state-owned commercial banks themselves are the participants of economic activities. In the period of great economic change, their own business and development are facing great challenges. This paper holds that the key to solving the dilemma of the social responsibility of the state-owned commercial banks is to clarify the content of the social responsibility of the state-owned commercial banks. The present situation of the problem and the reasons for the problems are put forward, and then the corresponding solutions are put forward. In this study, we find that the reasons for the difficulties of the performance of the social responsibility of the state-owned commercial banks are mainly two aspects of the lack of internal management concepts and the imperfect external regulatory environment. Therefore, the external regulatory environment in China is not yet perfect. The main starting point of solving the lack of social responsibility in China's state-owned commercial banks should be to improve the internal business concept of the state-owned commercial banks, to promote the initiative by establishing an effective internal assessment system, and to make full use of external incentives and supervision measures, so as to achieve a balanced state of profit and public property of the state-owned commercial banks. This paper, based on the analysis of the basic theory of social responsibility of the state-owned commercial banks on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks, analyzes the main achievements and problems of the performance of the social responsibility of the state-owned commercial banks, and puts forward some suggestions on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks, and puts forward a total of five suggestions. Five Chapter 1 includes the background and purpose of the study, introduces the research methods and innovation points, and summarizes the theoretical research at home and abroad. The second chapter explains and distinguishes the core theories about the performance of social responsibility of state-owned commercial banks, and clarifies the state business in the "new normal" period of the economy. The enterprise's profit and policy guide two core responsibilities. The third chapter introduces the development and present situation of the state-owned commercial banks in fulfilling social responsibility, and explains the particularity of the social responsibility of the state-owned commercial banks during the "new normal" period of the economy, and points out the problems and reasons for their fulfilling social responsibility in the special period. Fourth The chapter selects the Z state commercial bank's social responsibility assessment management system as an example, and analyzes the concrete measures and effects of its social responsibility. The fifth chapter puts forward some reasonable countermeasures and suggestions in view of the problems studied.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F270

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本文編號：2064793