Research On The Public Service Function Of W Bank

The banking industry is the ballast stone of China’s economy.As an important component of the banking industry,urban commercial banks have penetrated into all aspects of the production and life of the people.Urban commercial banks have obvious public service attributes,and have the responsibility and obligation to provide public services to the public.Public services are related to people’s livelihoods and connect people’s hearts.In the national "14th Five Year Plan",the fundamental goal is to meet the growing needs of the people for a better life.Urban commercial banks should actively implement the concept of finance for the people,strive to improve public service levels,and constantly realize the people’s aspirations for a better life.However,there are some bottlenecks in the implementation of public service functions by urban commercial banks,and there is still a certain gap from the requirements of the Party committee and government as well as the expectations of the people.This article takes the practice of public service functions by urban commercial banks as the research object,using literature research method questionnaire survey method and interviewing method,and taking W Bank as an example,analyzes the current situation and characteristics of W Bank ’s practice of public service functions,and summarizes the following problems: Firstly,the subjective initiative of urban commercial banks in practicing public services is not strong.Secondly,the responsibility for ecological environment protection is not fully fulfilled.Thirdly,the disclosure of social responsibility reports is not comprehensive.Fourthly,there is insufficient support for the development of small and micro enterprises.Based on the experience of domestic and foreign commercial banks,this article proposes the following countermeasures: firstly,to strengthen the guidance of banks in practicing public service awareness;secondly,to establish and improve legal and regulatory systems;thirdly,to strengthen the supervision of relevant government departments;fourthly,to enhance the strength of banks in practicing public service functions.It is hoped that through the research of this thesis,it can serve the decision-making of local government leaders and provide suggestions for the local government to better play its management functions;And put forward guiding opinions and suggestions for urban commercial banks to improve their public service level,so that urban commercial banks can better serve the public.