Rersearch On Legal Problems Of The Social Responsibility Of Commercial Banks

Commercial Bank is a special enterprise, financial assets and liabilities of the business object.Market economic and financial activities at the core of its range of services covering the majority ofcitizens and enterprises, business with the development of economic life and constantly innovative.The public services of the commercial banks to limit its objective necessity of social responsibility.In the context of economic globalization, the key role of commercial banks in the financial sector isgradually brought into play, and business activities are transnational in nature. The global financialcrisis erupted in2008(global the finance crisis) also shows that commercial banks to maximize thepursuit of commercial interests at the same time, we must attach great importance to riskmanagement, taking into account the interests of the community as a whole. World, includinginternational organizations have developed regulatory documents and industry self-regulatory rulesto regulate the performance of the social responsibility of the commercial banks. Realistic to say atthis stage commercial banks in China in the commitment to social responsibility issues, for now,stay in a moral advocate levels, the lack of support and protection of the legal system. As China'scommercial banks increasingly to go abroad, to the world, and thus subject to its expanding range ofbusiness activities impact the staff. Too much fame and fortune, in order to prevent commercialbanks from this perspective lead to social crisis, research on the legal aspects of the socialresponsibility of China's commercial banks, major theoretical and practical significance.This article first discusses the basic theory of corporate social responsibility, socialresponsibility concept and classification of commercial banks, discussed the need for commercialbanks to social responsibility; followed by domestic and foreign commercial banks to fulfill theirsocial responsibility to the status quo, ideas, pointing out that China's commercial the problems ofthe banks to fulfill their social responsibilities, such as the importance of social responsibility, lackof knowledge, the information disclosure system is imperfect, the paper points out the need toimprove the legal system level commercial bank social responsibility within the externalenvironment to the social responsibility of the commercial banks to implement to the behavior ofthe daily operation and management of commercial banks. At the same time, the paper introducedthe advanced experience of foreign commercial banks to shoulder social responsibility. Finally, implement the legal system to improve on the social responsibility of China's commercial banks,according to the environment of the social responsibility of the commercial banks generally receiveattention to the social responsibility of commercial banks into conscious action and universalbehavior, requires a constant a sound legal environment to be mandatory, the need to mobilize theparticipation of society as a whole, a good law-based administration of the government to guide anever-evolving, self-discipline and norms of the industry organization to oversee the corporategovernance structure to control a manifestation of China's national conditions, and conscious,strong and harmonious corporate culture to consolidate.