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ID:26800707
大小:470.50 KB
页数:92页
时间:2018-11-29
《社会责任视角下的中国商业银行风险管理》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、--RISKMANAGEMENTINCHINESECOMMERCIALBANKSFROMTHEPERSPECTIVEOFSOCIALRESPOSNSIBILITYABSTRACTForalongtime,China’scommercialbanks,especiallystate-ownedones,asimportantagenciesshoulderingsocialresponsibilities,havecontributedalottoChina’ssocialandeconomicdevelopment.Inrecentyears,C
2、hina’scommercialbankshavebasicallycompletedshareholdingreform,andsomeofthemhavegonepublic.Inthenewenvironment,howtoassumesocialresponsibilitiesandavoidmerepursuitofmaximumprofitwhilemakingendeavorstomaximizeshareholders’valueandhowtostrengthenriskmanagementandmaintainhealthyd
3、evelopmentwhiletakingsocialresponsibilitieshasbecomeanewquestionforcommercialbanks.Chinaisstillattheearlystageofmarketeconomyandresearchonsocialresponsibilitiesforcommercialbankshasjuststarted.In2006,ShanghaiPudongDevelopmentBankreleasedasocialresponsibilityreport,thefirstofi
4、tskindbyadomesticcommercialbank.In2007,ShanghaiBankingRegulatoryCommissionlaunchedthefirstguidingdocumentinChina–GuidelinesforCorporateSocialResponsibilityofBanksandFinancialInstitutionsinShanghai.Thisindicatesthattheissueofsocialresponsibilitytobeassumedbycommercialbankshasd
5、rawntheattentionofthefinancialsectorandhigherregulatoryauthorities.Therefore,thisarticletriestoanalyzethenecessityofriskmanagementincommercialbanksfromtheperspectiveofsocialresponsibility.Itisrelevantandapplicableforcommercialbankstostrengthenriskmanagementsoastoprotectthemse
6、lvesandthegeneralpublicagainstlosses.-----3-----Thetextconsistsoffoursections.Thefirstsectionisaboutbasictheoriesanddealswiththeoriginofthesocialresponsibilitytheoryandrelevantdefinitions.Throughcasestudyontheperformanceofsocialresponsibilitiesbycommercialbanks,itpointsouttha
7、tcommercialbankscanachieveoptimizedbenefitsbothsociallyandeconomicallybytakingonsocialresponsibilities.Thecorrelationbetweentheperformanceofcommercialbanksandstrengtheningofriskmanagementisidentifiedinrespectofconsistency,inconsistencyandcoordination.Throughcomparingtheeducat
8、ionloansituationinChinawithGrameenBank’sexperiences,itisconcludedtha
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