摘 要

在我国的经济体系里，银行业是金融系统的的核心。我国正处于经济转型升级的阶段，所以关注商业银行的发展问题是十分必要的。商业银行的社会责任问题又是商业银行发展问题中的一大重要课题。由于商业银行在经济体系中发挥着集中和配置资源的关键作用，推动商业银行积极履行社会责任就显得十分迫切了。

本论文将立足于企业社会责任理论，结合国内商业银行社会责任的发展现状,通过调查分析我国商业银行的社会责任现状，研究各大商业银行的社会责任报告以及参考有关专家学者的研究成果，来发现我国商业银行履行社会责任所面对的挑战和存在的问题。为我国商业银行实施社会责任战略建设社会责任价值观建言献策。

本文研究发现，我国商业银行履行社会责任还不太到位，企业社会责任价值观还没有树立起来，内部管理水平还有待提高。同时政府有关部门的立法，监督以及政策引导等工作还有待进一步加强，本论文将对完善这些漏洞和缺陷提出建议。

关键词：企业社会责任 商业银行、监管、政策引导、企业价值观

Abstract

In china the banking system is the core of the financial system .It is important to focus on the development of commercial banks during the period of economic transformation. Since commercial Banks play a key role in resource allocation in the economic system.It is necessary to push commercial Banks to actively fulfill their corporate social responsibilities.

This paper is based on the theory of corporate social responsibility,combined with the development trend of the social responsibility of international commercial bank.By investigating the status of social responsibility of commercial banks in china,study the social responsibility reports and the sustainable development reports of major commercial Banks.Moreover,this paper will find the challenges that commercial Banks are facing in the corporate social responsibility in china.The goal of this paper is to advise on the corporate social responsibility strategy of commercial bank in china and help these commercial Banks of our country establish the values of corporate social responsibility.I hope i could give my advice to safeguard the prosperity of our financial markets and the stability of economic development.

Keynotes:Corporate Social Responsibility,Commercial Bank,Government, Enterprise Value

目录

第1章 绪论

1.1 选题背景....................................................................................................................1

1.2 研究方法与研究思路................................................................................................2

1.3 国内外研究综述........................................................................................................2

1.3.1 国外商业银行社会责任的研究动态.................................................................2

1.3.2 国内商业银行社会责任的研究动态.................................................................3

第2章 商业银行企业社会责任概述.....................................................................................4

2.1商业银行社会责任的内容...........................................................................................4

2.1.1 对股东的责任.....................................................................................................4

2.1.2 对政府的责任.....................................................................................................4

2.1.3 对员工的责任.....................................................................................................4

2.1.4 对债务人的责任.................................................................................................5

2.1.5 对消费者的责任.................................................................................................5

2.1.6 对社区的责任.....................................................................................................5

2.2 我国商业银行履行社会责任的战略意义....................................................................5

2.2.1 有助于我国商业银行管控风险.........................................................................6

2.2.2 有助于我国商业银行提高声誉和品牌形象.....................................................6

2.2.3 有助于我国商业银行获取政府支持.................................................................6

2.2.4 有助于我国商业银行开展创新.........................................................................6

第3章 我国商业银行履行社会责任的现状分析...............................................................7

3.1 我国商业银行社会责任的现状..................................................................................7

3.2 我国商业履行社会责任存在的问题..........................................................................8

3.2.1 我国商业银行缺乏以人为本的企业文化.........................................................9

3.2.2 我国商业银行功利性太强................................................................................10

3.2.3 许多商业银行法律意识和责任意识淡薄........................................................10

3.2.4 我国商业银行在公益和慈善责任上缺失较大................................................10

3.2.5 我国多数商业银行还欠缺全面的社会责任战略............................................11

3.2.6 我国多数商业银行尚未建立完善的社会责任制度........................................11

第4章 建设我国商业银行社会责任体系的综合建议........................................................12

4.1 外部治理的建议.........................................................................................................12

4.1.1 立法部门应该健全和完善相关法律法规........................................................12

4.1.2 监管部门应该充分运用政策措施进行引导....................................................12

4.1.3 发挥我国相关行业协会和组织的监督作用....................................................13

4.2 内部治理的建议.........................................................................................................12

4.2.1 建立一个完备的信息披露机制........................................................................12

4.2.2 建立有效的内外部监督问责机制....................................................................13

4.2.3 把社会责任战略视作企业核心战略................................................................13

4.2.4 培育企业社会责任文化....................................................................................14

4.2.5 学习和借鉴国外商业银行的经验....................................................................14

第5章 结语............................................................................................................................15

参考文献..................................................................................................................................16

致谢..........................................................................................................................................17