我国经济发展“新常态”时期国有商业银行社会责任问题研究

发布时间：2018-06-25 05:28

本文选题：国有商业银行 + 经济“新常态”　；参考：《青岛大学》2017年硕士论文

【摘要】：由于我国经济发展过程的特殊性,我国银行业体系组成比西方经济社会银行业体系更加复杂,其中国有商业银行作为我国特有的银行种类,由于自身规模和国有控股两个原因,对整个社会经济运行有绝对的控制力,在我国经济资源再分配过程中占有主导地位,国有商业银行的经营状况对我国各类经济活动和社会发展有重要的影响。中国经济由过去持续的高速发展进入到以结构调整为目标的中高速发展的“新常态”时期,在这一特殊时期,商业银行需要更好的发挥经济调整杠杆作用、承担更多的社会责任,已经成为社会各界的共识。由于历史和政策原因,我国国有银行相比普通商业银行具有更强的社会公共性,决定其在经济转型这一特殊时期,不仅要承担普通商业银行应尽的社会责任,还要更多的承担政策引导工作。近年来,随着经济改革不断深化,国有商业银行履行社会责任的负面消息和报道引起了社会各界的持续关注,国有商业银行正处于一个两难的境地之中,一方面是社会、政府要求国有商业银行更多的承担社会责任,牺牲部分企业利益,另一方面是国有商业银行自身作为经济活动的参与者,在经济环境大变革时期,自身经营发展面临巨大的挑战。本文认为解决国有商业银行履行社会责任两难困境的关键,在于明确国有商业银行社会责任内容,分析问题的现状和产生问题的原因,进而提出相应的解决对策。本文在研究中发现,国有商业银行社会责任履职困难产生的原因主要是内部经营理念缺失和外部监管环境不够完善两方面。因此,我国在外部监管环境尚不十分完善的情况下,解决我国国有商业银行社会责任履行欠缺问题的主要入手点应该是改善国有商业银行内部经营理念,通过建立有效的内部考核体系促进主动履职,尽可能充分利用外部激励、监督措施,使国有商业银行逐利性和公共性达到均衡状态。本文从国有商业银行履行社会责任现状为出发点,在对企业社会责任基础理论分析的基础上,以Z国有商业银行社会责任内部管理考核体系为例,深入分析了国有商业银行履行社会责任的主要成绩和问题,并提出了针对建议,全文共有五章组成。第一章包括本文的研究背景和研究目的,介绍了本文的研究方法和创新点,并对国内外理论研究情况进行了总结评述。第二章对国有商业银行履行社会责任有关的核心理论进行了解释和辨析,明确了经济“新常态”时期国有商业银行企业盈利和政策引导两大核心职责。第三章详细介绍国有商业银行履行社会责任的发展与现状,并对经济“新常态”时期国有商业银行履行社会责任的特殊性进行了解释,指出了其在特殊时期履行社会责任的问题和原因。第四章选取Z国有商业银行社会责任考核管理体系为示例,对其履行社会责任的具体措施和效果进行分析。第五章针对所研究的问题,提出合理的对策和建议。
[Abstract]:Because of the particularity of our country's economic development process, the composition of China's banking system is more complex than the western economic and social banking system. Among them, the state-owned commercial banks, as the special types of banks in our country, have absolute control for the whole social and economic transportation because of their own size and state holding two reasons, and the economic resources are divided in our country. The operation status of the state-owned commercial banks has an important influence on all kinds of economic activities and social development in China. China's economy has entered a "new normal" period with high speed of structure adjustment as the target of structural adjustment from the past and high speed development. In this special period, commercial banks need to play a better role. The economic adjustment of leverage and more social responsibility has become the consensus of all sectors of the society. Due to historical and policy reasons, China's state-owned banks have more social public nature than ordinary commercial banks, and decide that they should not only bear the social responsibility of the ordinary commercial banks but also more social responsibility in the special period of economic transformation. In recent years, with the deepening of economic reform, the negative news and reports on social responsibility of state-owned commercial banks have aroused the continuous attention of all walks of life. The state-owned commercial banks are in a dilemma, on the one hand, the society, and the government demands that the state-owned commercial banks take more social responsibility. At the expense of the interests of some enterprises, on the other hand, the state-owned commercial banks themselves are the participants of economic activities. In the period of great economic change, their own business and development are facing great challenges. This paper holds that the key to solving the dilemma of the social responsibility of the state-owned commercial banks is to clarify the content of the social responsibility of the state-owned commercial banks. The present situation of the problem and the reasons for the problems are put forward, and then the corresponding solutions are put forward. In this study, we find that the reasons for the difficulties of the performance of the social responsibility of the state-owned commercial banks are mainly two aspects of the lack of internal management concepts and the imperfect external regulatory environment. Therefore, the external regulatory environment in China is not yet perfect. The main starting point of solving the lack of social responsibility in China's state-owned commercial banks should be to improve the internal business concept of the state-owned commercial banks, to promote the initiative by establishing an effective internal assessment system, and to make full use of external incentives and supervision measures, so as to achieve a balanced state of profit and public property of the state-owned commercial banks. This paper, based on the analysis of the basic theory of social responsibility of the state-owned commercial banks on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks, analyzes the main achievements and problems of the performance of the social responsibility of the state-owned commercial banks, and puts forward some suggestions on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks on the basis of the analysis of the basic theory of social responsibility of the state-owned commercial banks, and puts forward a total of five suggestions. Five Chapter 1 includes the background and purpose of the study, introduces the research methods and innovation points, and summarizes the theoretical research at home and abroad. The second chapter explains and distinguishes the core theories about the performance of social responsibility of state-owned commercial banks, and clarifies the state business in the "new normal" period of the economy. The enterprise's profit and policy guide two core responsibilities. The third chapter introduces the development and present situation of the state-owned commercial banks in fulfilling social responsibility, and explains the particularity of the social responsibility of the state-owned commercial banks during the "new normal" period of the economy, and points out the problems and reasons for their fulfilling social responsibility in the special period. Fourth The chapter selects the Z state commercial bank's social responsibility assessment management system as an example, and analyzes the concrete measures and effects of its social responsibility. The fifth chapter puts forward some reasonable countermeasures and suggestions in view of the problems studied.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F270

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