%0 Journal Article
%T 中国商业银行利益体系构建——基于社会责任视角
%A 姚伟
%J 复旦学报(社会科学版)
%D 2018
%X 在我国经济结构调整、产业升级转换的大背景下,商业银行应回归服务实体经济的本原,从社会全局出发,落实社会责任,增进整体社会福利,进而推动经济社会转型发展。为此,文章从社会责任视角切入,从商业银行利益基础、利益保障、本原利益、社会利益、利益落脚点这五大维度构建商业银行实现共享利益的体系框架。文章认为,商业银行服务于国家利益是其履行社会责任的直接体现,属于利益基础;维护国家金融安全是商业银行社会责任的核心和利益保障;回归本原,支持实体经济发展是商业银行的服务本质和使命;普惠金融、科技金融、绿色金融三大领域是商业银行社会责任的现实体现;在维护国家利益的总纲下,商业银行最终落脚于消费者层面,保护消费者权益、满足消费需求是商业银行落实社会责任的归宿。商业银行的业务经营应以实现共享利益最大化为旨归。</br>Abstract：In the general background of the economic structure adjustment and the transition of the old and new energy in our country, the commercial bank should focus on serving substantial economy, promote economic transition development, put the social responsibility into practice and enhance the overall social benefits. Therefore, start from the perspective of social responsibility, the article constructs the interest theory system of commercial banks from five dimensions, including the general outline of interests, social interests, core interests, fundamental interests, and destination of interests. The article shows that the commercial bank serves the national benefits, which is the overall embodiment of fulfilling the social responsibility. To maintain the financial security is the direct embodiment of commercial bank responsibility. Back-to-basics and to support the substantial economic development are the service nature and mission. On the basis of core benefits and fundamental benefits, three fields including benefit the public financial, technological finance and green finance are the realistic embodiment of commercial bank social responsibility. Under the general program of safeguarding national interests, the commercial banks end up at the consumer level.To protect consumer rights and interests and to meet the consumers' demands are the end-result for commercial banks to fulfill their social responsibility.
%K 商业银行
%K 利益
%K 社会责任&lt
%K /br&gt
%K commercial bank
%K interests
%K social responsibility
%U http://www.fdwkxb.fudan.edu.cn/CN/abstract/abstract2352.shtml