金融消费者权益保护下商业银行社会责任研究
发布时间：2018-10-15 17:49
【摘要】：20世纪80年代，西方逐渐兴起“企业社会责任运动”，并在90年代得到多方关注和支持而获得蓬勃发展，其理念也得到进一步传播。商业银行作为特殊的企业，更是积极参与其中。与国际商业银行相比，我国商业银行在履行社会责任方面还处在较为落后的状态，尤其在商业银行对金融消费者履行社会责任方面，金融消费者权益屡受侵害。本文在此背景下，以商业银行社会责任为研究内容，从金融消费者权益保护的角度，，探究在我国，商业银行应如何履行其社会责任，保护金融消费者权益。文章正文主要包括以下几部分： 第一部分为引言。在阐述本文的选题背景和研究意义的基础上，对商业银行社会责任、金融消费者权益保护等内容的国内外研究现状进行分析整理，并简要介绍了本文的创新之处。 第二部分为金融消费者权益与商业银行社会责任的概述。本部分分别对金融消费者权益与商业银行社会责任相关理论进行阐述，并就金融消费者权益保护下商业银行社会责任的主要内容进行分析。 第三部分对金融消费者权益保护下商业银行社会责任存在的问题进行分析。主要阐述了商业银行履行金融消费者社会责任的现状及法律规制，并就商业银行履行金融消费者社会责任存在问题的原因进行分析。 第四部分为国外商业银行履行金融消费者社会责任的法律规制及启示。主要通过介绍美国、英国关于商业银行在履行金融消费者社会责任方面的立法及规制，总结其经验，以为完善我国商业银行履行金融消费者社会责任提供法律借鉴。 第五部分为我国商业银行履行金融消费者社会责任法律规制的完善。文章主要从完善立法、加强商业银行内部治理及强化政府、行业组织、第三方力量等外部监督三个部分为我国商业银行履行社会责任提供完善建议。
[Abstract]:In the eighties of the 20th century, the "corporate social responsibility movement" gradually rose in the West, and developed vigorously in the 1990s because of the attention and support of many parties, and its concept was further spread. Commercial banks as special enterprises, but also actively participate in them. Compared with the international commercial banks, the commercial banks of our country are still in a relatively backward state in performing their social responsibility, especially when the commercial banks fulfill their social responsibility to the financial consumers, the rights and interests of the financial consumers are often infringed upon. Under this background, taking the social responsibility of commercial banks as the research content, from the angle of protecting the rights and interests of financial consumers, this paper explores how commercial banks should fulfill their social responsibility and protect the rights and interests of financial consumers in our country. The main body of the article includes the following parts: the first part is the introduction. On the basis of expounding the background and significance of this paper, this paper analyzes and arranges the domestic and international research status of commercial bank social responsibility, financial consumer rights and interests protection, and briefly introduces the innovation of this paper. The second part is an overview of financial consumers' rights and interests and the social responsibility of commercial banks. In this part, the relevant theories of financial consumers' rights and interests and commercial banks' social responsibility are expounded, and the main contents of commercial banks' social responsibility under the protection of financial consumers' rights and interests are analyzed. The third part analyzes the problems existing in the social responsibility of commercial banks under the protection of the rights and interests of financial consumers. This paper mainly expounds the present situation and legal regulation of commercial banks' fulfilling financial consumers' social responsibility, and analyzes the reasons for the problems existing in commercial banks' fulfilling financial consumers' social responsibility. The fourth part is the legal regulation and enlightenment of foreign commercial banks to fulfill the social responsibility of financial consumers. By introducing the legislation and regulation of commercial banks in fulfilling the social responsibility of financial consumers in the United States and Britain, this paper summarizes their experiences and provides legal reference for perfecting the performance of social responsibility of financial consumers by commercial banks in our country. The fifth part is the perfection of our country's commercial banks to fulfill the social responsibility of financial consumers. This article mainly from consummates the legislation, strengthens the commercial bank internal governance and strengthens the government, the profession organization, the third party strength and so on external supervision three parts provides the consummation suggestion for our country commercial bank to fulfill the social responsibility.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8
本文编号：2273330
[Abstract]:In the eighties of the 20th century, the "corporate social responsibility movement" gradually rose in the West, and developed vigorously in the 1990s because of the attention and support of many parties, and its concept was further spread. Commercial banks as special enterprises, but also actively participate in them. Compared with the international commercial banks, the commercial banks of our country are still in a relatively backward state in performing their social responsibility, especially when the commercial banks fulfill their social responsibility to the financial consumers, the rights and interests of the financial consumers are often infringed upon. Under this background, taking the social responsibility of commercial banks as the research content, from the angle of protecting the rights and interests of financial consumers, this paper explores how commercial banks should fulfill their social responsibility and protect the rights and interests of financial consumers in our country. The main body of the article includes the following parts: the first part is the introduction. On the basis of expounding the background and significance of this paper, this paper analyzes and arranges the domestic and international research status of commercial bank social responsibility, financial consumer rights and interests protection, and briefly introduces the innovation of this paper. The second part is an overview of financial consumers' rights and interests and the social responsibility of commercial banks. In this part, the relevant theories of financial consumers' rights and interests and commercial banks' social responsibility are expounded, and the main contents of commercial banks' social responsibility under the protection of financial consumers' rights and interests are analyzed. The third part analyzes the problems existing in the social responsibility of commercial banks under the protection of the rights and interests of financial consumers. This paper mainly expounds the present situation and legal regulation of commercial banks' fulfilling financial consumers' social responsibility, and analyzes the reasons for the problems existing in commercial banks' fulfilling financial consumers' social responsibility. The fourth part is the legal regulation and enlightenment of foreign commercial banks to fulfill the social responsibility of financial consumers. By introducing the legislation and regulation of commercial banks in fulfilling the social responsibility of financial consumers in the United States and Britain, this paper summarizes their experiences and provides legal reference for perfecting the performance of social responsibility of financial consumers by commercial banks in our country. The fifth part is the perfection of our country's commercial banks to fulfill the social responsibility of financial consumers. This article mainly from consummates the legislation, strengthens the commercial bank internal governance and strengthens the government, the profession organization, the third party strength and so on external supervision three parts provides the consummation suggestion for our country commercial bank to fulfill the social responsibility.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8
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