商业银行利他行为的经济学分析

An Analysis on Commercial Bank of Economic of Altruistic Behavior

近年来,企业社会责任(CSR)受到国际上大企业和经济学界的普遍重视。商业银行的经营目标也从单纯追求利润最大化拓展为要兼顾社会利益。商业银行的利他行为包括互惠利他和纯粹利他两种。商业银行的利他行为,一方面可以为自身的可持续发展创造一个稳定的宏观经济环境和良好的金融生态环境;另一方面,可以提高自身的社会声誉,进而提高银行的经营业绩。代理人市场—声誉模型对商业银行利他行为进行了经济学解释,认为存在一种"隐性激励机制"促使商业银行做出利他行为。商业银行应将履行社会责任与实现股东价值最大化有机结合起来,将承担社会责任作为经营发展中的一种激励机制,实现经济效益与社会效益的双赢。

In recent years, corporate social responsibility （CSR） has aroused universal attention by the international big business and economic circles. Operating targets of commercial banks have been broadened from a simple pursuit of maximum profit to the interests of the community taken into account. Altruistic behaviors of commercial banks include two sorts ： reciprocal altruism and pure altruism. Altruistic behavior of commercial banks, on the one hand, creates a stable macroeconomic environment and a sound financial ecological environment for its own sustainable development; on the other hand, can enhance their social reputation, thereby increasing the bank＇s operating results. The agent market - reputation model of commercial banks has greatly expanded altruistic behavior in economics, holding that there is a ＂hidden incentives mechanism＂ for the commercial banks to make altruistic behavior. Commercial banks should combine fulfillment of their social responsibilities with maximization of shareholder value, regarding assuming social responsibility as an incentive mechanism for operation and development so as to achieve a result for win -win in economic and social benefits.