A Study On Social Responsibility Of Commercial Banks

In the context of energy conservation and environmental protection, the economic develop mode of our country is still extensive. The first is the low efficiency of utilization of resources. In terms of coal and land and industrial water, the unit output of developed countries is more than our country. The second is serious environmental damage, the36%of rivers stage is serious influenced by the untreated sewage water of cities and the quality of water become the worst classes. The soil erosion is serious, the27.3of the total land area is in the stage of desertification. The third is the more emissions of harmful gas, the emissions of sulfur dioxide is as much as18.57million tons, the acid rain area occupies30%of the country. However, due to the government’s intervention and to keep the business advantages, the commercial banks is still provide financial support for highly polluting, energy intensive enterprises. The one-side management idea is not only bad for commercial banks, but also play the adverse impact on economic sustainable development. The development of the society progress is not only the accumulation of material wealth, but also provide a good live and work environment for human and guarantee the public resources rights enjoyed citizens. So, commercial banks have the responsibility to develop green finance, promote the universality of green finance.Based on the angle of green finance, the article play the theory study and case study and model study on the proposition of green social responsibility. The logical train of thought is as follow. The first part of paper introduces the topic background and significance, then, have a literature review and evaluation at home and abroad for the aspects of social responsibility, green financial. On this basis, the second part combine the environmental responsibility, economic responsibility, green financial and proposed a new theory which green social responsibility of commercial banks. In order to strengthen the applicability of theory, this paper analysis the connotation and main characteristics of the theory to guide commercial banks find self-image and establish the development direction in the field of social responsibility. At same time, in order to increase social benefits, it analysis the green risk and evaluation standard to guide the rational development of green finance. In order to further explore the applicability of theory, the third part using the case of domestic and foreign commercial banks and pointed out our country commercial bank advanced management level in terms of green credit. It also emphasized two major problems about motivation and strategy. In order to further analysis the reasons of the above two questions, the fourth part uses the game theory model, cost effective model and SWOT model to make the corresponding analysis. According to the results of model analysis, the corresponding suggestions are given in five aspects. It about profit guarantee, choice of strategy, risk management, the government responsibility, the social values.