承担社会责任是否有助于企业获得银行贷款？

发布时间：2018-06-02 22:01

本文选题：企业社会责任 + 银行信贷　；参考：《复旦大学》2013年硕士论文

【摘要】：伴随着中国经济的高速增长,中国社会也面临着许多问题,环境污染、劳工纠纷、食品安全频频出现,中国企业社会责任意识缺乏是造成这一现象的原因之一,要促使企业主动承担社会责任必须明白其承担社会责任的动机。本文试图验证企业承担社会责任的动机是否是为了向商业银行传递正面信号以获得更高的银行贷款。通过建立我国企业社会责任评价体系,为企业社会责任给出综合评分和分项评分,我们重点检验了企业承担社会责任情况与其获得银行贷款比例的关系,结果发现企业履行社会责任对他们获得银行贷款没有显著的促进作用,即企业承担社会责任的动机不是为了获得银行贷款,这也侧面说明商业银行在信贷审批时没有考虑企业社会责任表现。为了进一步了解企业承担社会责任的动机,我们又检验了企业社会责任与企业绩效的关系,发现两者有明显的正相关关系,即企业承担社会责任是因为：长期看这样做可以提高企业绩效。由此,文章建议商业银行将企业是否履行相应社会责任纳入贷款审批条件,这样做不仅可以充分发挥商业银行在服务实体经济、优化资源配置中的作用,还可以激励企业主动承担社会责任,促进经济发展与社会和谐。
[Abstract]:With the rapid growth of China's economy, Chinese society is also facing many problems, such as environmental pollution, labor disputes and food safety. The lack of awareness of corporate social responsibility in China is one of the reasons for this phenomenon. To urge enterprises to take the initiative to assume social responsibility, we must understand its motivation to undertake social responsibility. This paper attempts to verify whether the motivation of corporate social responsibility is to send positive signals to commercial banks in order to obtain higher bank loans. By establishing the evaluation system of corporate social responsibility in our country and giving a comprehensive score and a sub-score for corporate social responsibility, we have examined the relationship between the social responsibility of enterprises and the proportion of bank loans to them. The results show that corporate social responsibility has no significant effect on their access to bank loans, that is, the motivation of corporate social responsibility is not to obtain bank loans. This also shows that commercial banks in credit approval did not consider corporate social responsibility performance. In order to further understand the motivation of corporate social responsibility, we also test the relationship between corporate social responsibility and corporate performance, and find that there is a clear positive correlation between the two. That is, corporate social responsibility is because: in the long run, this can improve corporate performance. Therefore, the paper suggests that commercial banks should bring the corresponding social responsibility of enterprises into the loan approval condition, which can not only give full play to the role of commercial banks in serving the real economy and optimizing the allocation of resources. It can also encourage enterprises to take the initiative to assume social responsibility and promote economic development and social harmony.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F270;F832.4

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