The Study Of The Problem Of Commercial Banks Social Responsibility In China

With the accelerated pace of economic globalization and the concept of sustainable development is becoming more and more thorough popular feeling,as a special enterprise competition among commercial Banks has been beyond hardware technology and financial products and services in the field of competition,rising to the corporate social responsibility level of competition.Therefore,the study of commercial bank corporate social responsibility to improve the international competitiveness of China's commercial Banks,promote the harmonious development of social economy has important theoretical value and practical significance.Whether it is the enterprise ethics theory,stakeholder theory or the financial sustainable development theory from the perspective of different aspects and angles and points out that the enterprises,especially the commercial Banks in addition to the pursuit of economic goals to create profits,should also bear certain social responsibilities, such as support for public welfare,environmental protection,social stability,etc.,so as to realize the sustainable development of enterprises,society and environment.Commercial Banks of western developed countries have generally to fulfill the performance of the corporate social responsibility into the enterprise culture,into the daily business operation to the bank, and promulgated corporate social responsibility report regularly. Relatively speaking, China's commercial Banks focus on corporate social responsibility to release social responsibility report is slower, there are many problems in the implementation process.Part of the commercial bank behavior utilitarian is stronger,responsibility consciousness and legal consciousness, seeking too much in a short period of time to get more profits, without considering the huge negative effects to the society. Lack of the concept of “people-oriented”, for low-end customers discriminatory and high-end customers, especially to the vulnerable groups lack of financial support.Investigate its reason, from the perspective of commercial bank itself,inadequate understanding of corporate social responsibility, not to establish a clear corporate social responsibility objectives, the lack of a sound accountability and information disclosure mechanism, imperfect internal supervision and restraint.From the external environment, the relevant legal basis is weak, the lack of government policy guidance,lagging in corporate social responsibility evaluation and supervision system of the serious lag,industry organization didn't play the role of the application,this a series of factors restricted the commercial Banks for the implementation of the corporate social responsibility.According to the international commercial Banks perform corporate social responsibility and the concrete national conditions of our country,this article selects the indicators of social responsibility in three levels,designed the evaluation index system of commercial bank corporate social responsibility, and chose to the Industrial and Commercial bank of China and Industrial bank Co. As an example to calculate and evaluate.In order to further strengthen the construction of commercial bank corporate social responsibility, on the one hand, we must improve the relevant legal system, strengthen the government's policy guidance, give full play to industrial associations, non-governmental organizations and public supervision function, to construct a sound of incentive and constraint mechanisms,to create the external environment of fairness and justice, on the other hand, the commercial Banks to establish social responsibility in the core position in the enterprise culture,norms of corporate social responsibility report released regularly, and improve the corporate governance structure and the strict accountability mechanism, so as to fundamentally improve the enthusiasm of commercial Banks to fulfill corporate social responsibility, and really implement the fulfillment of corporate social responsibility.