商业银行社会责任的现状与路径选择

Current Situation of Social Accountability of Commercial Banks and the Path Selection

伴随着商业银行改革发展的不断深入,实现自身业务发展与履行社会责任的有机统一成为商业银行日益关注的问题。文章对我国商业银行履行社会责任的现状进行了分析,针对目前我国商业银行在承担社会责任过程中面临的一系列问题,提出商业银行应促进经济社会的可持续发展,将履行社会责任嵌入到银行治理架构、企业文化和业务流程之中,加强商业银行社会责任理念的培养,同时法律和银监会还要强化对商业银行履行社会责任的监管。

In the process of the deep development and reform of the commercial banks, integration of the business development and corporate social responsibility （CSR） has become an increasingly important issue of the commercial banks. This paper analyzes the status qua of the Chinese commercial banks＇CSR. With respect to the problems which the Chinese commercial banks face when they undertake the social accountability, this paper suggests that commercial banks should enhance the sustainable social and economic development, incorporate the CSR into the bank＇s governance structure, and strengthen the cultivation of the idea of CSR in the commercial banks, and that law and the CBRC should strengthen the supervision of social responsibility of the banks.