现代科技视阈下商业银行的伦理缺失与构建

发布时间：2018-04-18 02:39

本文选题：科技视阈 + 商业银行　；参考：《武汉理工大学》2014年硕士论文

【摘要】：当今社会条件下，企业的经营理念有了新的发展，企业超越了传统“经济人”的角色，在向“社会人”角色转变。企业除了考虑经济职能的实现外，要更多担负起对利益相关者的责任，在经营活动中更加注重伦理规范。我国商业银行在国民经济社会生活中发挥着重要作用，加上国家赋予了其特殊的垄断地位，因此要求商业银行担负起更多的社会责任，在经营活动中更加注重伦理规范。而且，面对我国加入WTO以来日益激烈的竞争环境以及与国际接轨的要求，商业银行在现代科技日新月异发展的今天更要转变经营理念，实行伦理经营。但是目前我国商业银行的伦理状况却不容乐观，伦理缺失的案件反而通过各项科技手段将其影响不断放大，极大地侵害了消费者的权益，加大了金融系统的风险，给国家和人民造成了巨大的经济损失。因此，在现代科技视阈下我国商业银行的伦理亟待构建。本文拟通过在现代科技视阈下分析我国商业银行伦理现状为主，综合国外实例，归纳现代商业银行伦理缺失的主要问题。然后结合我国实际情况，，分析我国商业银行伦理缺失问题的原因，这些原因包括宏观政治经济环境、商业银行的内部治理问题、银行经理人和从业人员的职业道德和职业技能等。最后在分析的基础上，提出了一些具有针对性的措施，以期能对我国商业银行的伦理构建有所助益。
[Abstract]:Under the current social condition, the enterprise management idea has new development, the enterprise has surmounted the traditional "economic man" the role, is changing to the "social person" role.Besides considering the realization of economic functions, enterprises should shoulder more responsibilities to stakeholders and pay more attention to ethical norms in their business activities.China's commercial banks play an important role in the social life of the national economy, and the state has given them a special monopoly position, so commercial banks are required to shoulder more social responsibility and pay more attention to ethical norms in their business activities.Moreover, in the face of the increasingly fierce competitive environment since China's entry into the WTO and the requirement of connecting with the international standards, commercial banks need to change their business concepts and implement ethical management when modern science and technology are developing with each passing day.However, at present, the ethical situation of commercial banks in our country is not optimistic. Instead, the cases of lack of ethics amplify their influence through various scientific and technological means, greatly encroaching on the rights and interests of consumers and increasing the risks of the financial system.Great economic losses have been caused to the country and the people.Therefore, it is urgent to construct the ethics of commercial banks in our country under the sight of modern science and technology.By analyzing the present situation of commercial bank ethics in China from the perspective of modern science and technology, this paper summarizes the main problems in the ethical deficiency of modern commercial banks by synthesizing foreign examples.Then according to the actual situation of our country, we analyze the reasons for the lack of ethics of commercial banks in our country. These reasons include the macro-political and economic environment, the internal governance of commercial banks,Professional ethics and skills of bank managers and employees.Finally, on the basis of analysis, some targeted measures are put forward in order to be helpful to the ethical construction of commercial banks in China.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：B82-053

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