Economic Ethics Under The Perspective Of Commercial Bank Social Responsibility Research

Since joining the world trade organization, China's rapid economic development, and gradually become the global capital and an important part of the industrial chain of, meanwhile, the economic development is becoming more and more highlights the importance of to corporate social responsibility, the enterprise has actively to social responsibility in China has increasingly become social from all walks of life's urgent expectations and requirements. Commercial Banks as uniquely financial enterprises, the development of national economy plays a guide and regulate the important role, not only affect their social responsibility of the bank itself image and sustainable development, and relates to financial order and stability of social harmony.However, nearly 10 years of commercial banking reform process, part of commercial bank unilateral pursue profit maximization, buy national macro-control policy and industrial policy to disregard, chasing after big customers give up small customer and the need of social vulnerable groups turn a blind eye, commercial Banks social responsibility consciousness generally weak thin, seriously affected the construction of the socialist harmonious society. Compared with foreign Banks, Chinese commercial Banks to social responsibility on the breadth and depth of the show great disparity. How to solve our country commercial bank to social responsibility, not only the problems of commercial Banks to their own development, but also strategic significance in the construction of socialist harmonious society's important segment.This article from the perspective of economic ethics of social responsibility to perform commercial Banks from commercial Banks, and present situation of social responsibility of knowledge, the bank's internal governance structure, financial product innovation, ethical culture construction and external legislation, evaluation the supervision system, analyzed the commercial Banks failed to fulfil their social responsibility actively the main reason, puts forward to strengthen their social responsibility of commercial Banks in China the macro and micro countermeasures.