Researching On The Moral Responsibility Of Chinese Commercial Banks And Its Cultivation

Finance is the core of modern economy,and commercial banks are the core of national financial institution system.With the increasing penetration of the development of the world economy and the increasing dependence on global trade,hegemonism,unilateralism and protectionism are spreading,international trade disputes and financial shocks have been intensified,and the development of the world economy is facing greater uncertainty.This brings new challenges to the financial security and stability of the country.At present,socialism with Chinese characteristics has entered the decisive stage of building a moderately well-off society in an all-round way,and is moving towards the dream of realizing the great rejuvenation of the Chinese nation.The report of the 19 th National Congress of the Communist Party of China clarified the principal contradictions in the current society,and put forward the dream of building a prosperous and strong,democratic,civilized,harmonious and beautiful country.Xi Jinping's economic thought on socialism with Chinese characteristics in the new era emphasized the core position of finance,and the meeting of the Political Bureau of the CPC Central Committee made a work plan for "stabilizing finance." The Central Economic Work Conference issued policies and measures of financial deleveraging,strict regulation and control,risk prevention,universal benefits,and environmental protection.The financial regulators have gradually shifted to the regulatory trend of high-quality development of the banking industry.The new political and economic situation at home and abroad has posed a challenge for China's commercial banks to better fulfill their responsibilities.Over the past 40 years of reform and opening up,China's commercial banks have achieved unprecedented development in scale and service.The rapid rise of the banking sector plays an important role in the development of various socialist undertakings and the people's well-being.In addition,the debased banking capital has increased the financial risk,enlarged social wealthy-poor gap and intensified the social function alienation,highlighting the deficiency of the commercial banks in fulfilling the social moral responsibilities,in particular,the extrusion of real economy by banking capital and the imbalance of banking capital in resource allocation in underdeveloped areas has affected the good life of people to a certain extent.The large number(more than 100 million)of customers of commercial banks shows their extensive social connection and the role of commercial banks as the important hand for national macro-control shows the importance of their systems.The social connection and system importance of commercial banks determine that the fulfillment of social moral responsibilities has a special significance on the development of socialist physical and psychological civilization.This paper researches the social moral responsibilities of commercial banks of China.Based on Marx's ethical thoughts,it makes a comprehensive study of the moral responsibilities of our commercial banks by comprehensively using literature research,questionnaire interviews,normative analysis and case studies,etc.Attempts to answer what the moral responsibilities of commercial banks of China are,what the fulfillment situation is and how to cultivate and improve the fulfillment,under the background of the new-era's socialism with Chinese characteristics,and build the general solution for systematically improving the social moral responsibility level of commercial banks of China.This paper consists of seven parts.The Introduction Part clarifies the research object,purpose,thinking,logical structure and research status.Chapter I defines the concept and basic connotation of the moral responsibilities of commercial banks of China,puts forward that liquidity,profitability and security are the basic principles of commercial banks' operation and management and profit-seeking,public character and political character are the internal attributes of commercial banks,expounds that the basic logic of commercial banks to fulfill their moral responsibilities lies in their specific social rights,extensive social connection,systematic importance of functions,certain freedom of will and capacity of conduct.Chapter II expounds the theoretical basis for commercial banks to fulfill their social moral responsibilities,and clearly states that commercial banks of China shall take Marxist ethical thoughts as the basis of responsibilities,adhere to Marxist and Engels' moral outlook,socialist moral outlook and communist moral ideal,insist on serving the people as the core and collectivism as the principle,and always maintain the socialism direction of commercial banks in moral construction.Chapter III expounds the elements and the features of the moral responsibilities of commercial banks.The elements of the moral responsibilities of commercial banks include responsibility consciousness,responsibility conduct and responsibility evaluation.The process of fulfilling moral responsibilities is also the process of due diligence,accountability and evaluation feedback.Chapter IV empirically analyzes the current situation,experience and problems of moral responsibilities of commercial banks of China.Through customer research,practitioner research,regulatory data collection,data comparison of listed companies and collation of bank social responsibility reports,the comprehensive analysis of the data shows that commercial banks of China have higher level in fulfillment of social moral responsibilities and also have the moral anomies such as extreme utilitarianism,discriminating the rich and the poor,aggravating the social wealth gap,accumulating financial risk and social function alienation.Chapter V analyzes the reason and challenges of the main problems of commercial banks in fulfillment of social moral responsibilities.The instinct of commercial banks in pursuit of high profits,the lack of moral responsibility consciousness,the imbalance of internal control system and the opportunism are the main challenges of commercial banks in fulfillment of social moral responsibilities.Chapter VI systematically constructs the cultivation mechanism of moral responsibilities of commercial banks of China.This paper breaks down the way to improve the level of social moral responsibilities of commercial banks into explicit bank value criteria so as to strengthen the banks' power mechanism,ability mechanism and guarantee mechanism.The research conclusions and innovations are as follows: First,empirically analyzes the current situation,experience and problems of moral responsibilities of commercial banks of China.Second,as the core financial institution of social and economic operation,commercial banks of China have not yet played the leading and exemplary role in the fulfillment of social moral responsibilities commensurate with their political,economic and social status.Third,commercial banks shall follow the guide of Marx's ethical though in operation and management,fully reflect the requirements of socialist morality,and actively implement the Xi-led new era's socialist economic ethics with Chinese characteristics.Forth,in the process of transformation to networking,intelligence and high quality development,the fulfillment of moral responsibility by commercial banks shall not only a value pursuit,but also enters the top and bottom design of commercial banks and becomes the fundamental logic of operation and management of banks.Fifth,deepening reform and opening up to give full play to the market effect,strengthening the leadership of the party to realize the moral supervision of commercial banks,and constantly realizing the unity of the moral responsibility of commercial banks and promoting their own interests are the key to improve the level of moral responsibilities of commercial banks.Sixth,the promotion of the moral responsibility level of commercial banks has a clear demonstration effect on social moral civilization.In conclusion,this paper frames the moral responsibilities of commercial banks with the socialist moral thoughts.By examining the consistency and difference between the conduct activities of commercial banks of China in recent years and the moral concepts of Marx and Engels,socialism and communism,empirically demonstrates the current situation,experience and problems of fulfilling social moral responsibilities of commercial banks of China,explores the path and method for commercial banks to break through the existing moral level,and constructs a long-term mechanism for the cultivation of commercial banks' moral responsibilities so as to promote the high-quality development of commercial banks of China,and better drive the realization of the dream of the great rejuvenation of China..