Research On Commercial Banks To Take Social Responsibility

Commercial bank is different from the general industrial and commercial enterprises. It has to increase social wealth, optimize the allocation of social resources, and help people to resist risks. The uniqueness of this function with Commercial bank decided it not only to the objective of maximizing the pursuit of their own interests, but should also take on corporate social responsibility. Commercial banks to actively fulfill their social responsibility not only significant to their own health development, also significant to comprehensively implement the scientific concept of development, building a socialist harmonious society. However, China’s Commercial bank due to the theory of backward development and the lack of practical experience to fulfill their social responsibility situation is worrying. Standing on the study on the basis of the predecessors, combined with the practical experience of the foreign Commercial bank, small suggestions for improvement from the internal mechanism and external mechanisms of corporate social responsibility of Commercial bank in China.This paper is divided into four chapters, each chapter is divided into two. The first chapter in the author of the definition of the concept of corporate social responsibility from domestic and foreign scholars on the basis of the definition of the concept of corporate social responsibility, An overview of the course of development of the concept of corporate social responsibility, and to explore the theoretical basis of corporate social responsibility, including the theory of state intervention, stakeholder theory etc. In the second chapter I conduct legitimacy analysis of commercial banks to take social responsibility. Through three angles of the particularity of commercial banking industry, serious harm to commercial banks do not bear the social responsibility and the positive impact on their own commitment to social responsibility, come the conclusion of the legitimacy of the commercial banks to take on social responsibility.The second chapter discusses the connotation of the commercial bank’s social responsibility, including analysis of the characteristics of the social responsibility of the commercial banks and Level analysis of the social responsibility of the commercial banks. Detail in the second quarter, the content of the commercial banks under the stakeholder theory of social responsibility, including shareholders, creditors, employees, resources and environment, as well as government and other stakeholders. The third chapter discusses the institutional constraints of the social responsibility of the commercial banks from the international and domestic level. International level, including financial institutions declaration on environment and sustainable development ", the Equator Principles and SA8000, etc. And conduct analysis from the perspective of international law. Domestic level detail into the social responsibility of the commercial banks on the legal level and policy level as well as the self-discipline of the commercial banks.The fourth chapter first pointed out the defects of China’s commercial banks to take on social responsibility, including the defects of the external mechanisms and the defects of internal mechanisms. At the same time, starting from the two angles of the internal mechanism and external mechanisms, I made recommendations on improving the system of China’s commercial banks to corporate social responsibility. The final conclusion, I believe that China’s commercial banks should actively take up social responsibility.