国有商业银行履行社会责任的机理分析

发布时间：2018-04-27 09:51

本文选题：国有商业银行 + 社会责任　；参考：《北京工商大学学报(社会科学版)》2012年06期

【摘要】：政府近十余年以来动用四万多亿社会公共资金对国有商业银行进行了股份制改造,国有商业银行事实上的国有性质及其寡头经营格局和巨额利差的存在,是国有商业银行履行应有社会责任的现实基础和前提。作为对改革成本支付者的一种利益补偿机制,国有商业银行应该承担起为社会公众提供令人满意的金融服务,以及通过向政府上缴红利的方式让社会各阶层共享银行业改革成果的社会责任;另一方面,由于有问题银行的负外部性,国有商业银行还要切实承担起维护我国金融体系的安全性和稳定性、防范系统性金融风险发生的职责。国有商业银行应该主动将外生性道义责任压力转化为企业的内生性要求,转化为国有商业银行一种自觉、自愿和自律的责任行动。
[Abstract]:Over the past ten years, the government has used more than 400 billion social and public funds to reform the state-owned commercial banks in the shareholding system. The state owned commercial banks in fact have a state-owned nature, their oligopoly management pattern and the existence of huge interest rate differentials. It is the realistic foundation and premise for state-owned commercial banks to fulfill their due social responsibility. As a benefit compensation mechanism for the reform cost payers, the state-owned commercial banks should undertake to provide satisfactory financial services to the public. And social responsibility for sharing the fruits of banking reform among all sectors of society by paying dividends to the government. On the other hand, due to the externality of the banks in question, State-owned commercial banks should also assume the responsibility of safeguarding the security and stability of our financial system and preventing the occurrence of systemic financial risks. The state-owned commercial banks should take the initiative to transform the extraneous moral pressure into the endogenous requirements of the enterprises and to transform the state-owned commercial banks into a kind of self-conscious, voluntary and self-disciplined responsibility action.
【作者单位】：南京大学政府管理学院;南京艺术学院思想政治理论教研部;
【基金】：国家社会科学基金重大项目“改革开放30年的基本经验研究”(08&ZD005)
【分类号】：F832.33

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