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1、 法法 律律 硕硕 士士 专专 业业 学学 位位 论论 文文 法律视角下商业银行的社会责任研究法律视角下商业银行的社会责任研究 The Research on Social Responsibility of Commercial Banks under the Legal Perspective 作 者 姓 名： 周保强 指 导 教 师： 沈 萍 西 南 政 法 大 学 Southwest University of Political Science and Law 1 内容摘要 四川雅安地震后，国内商业银行积极履行社会责任。它们在突发事件中履行社会责任展现出了更有优势、更快捷的特点，并且
2、相比一般企业，商业银行所具有的社会性、垄断经营性、负债经营性等特征以及资金调控职能使得其履行社会责任更富有正当性和必要性。而抗震救灾仅仅是商业银行履行社会责任一个缩影，它们践行社会责任的领域更宽泛。但是目前商业银行在履行社会责任方面还不尽人意，这就需要我们借助法律和道德的力量加以推动。为此本文从商业银行社会责任的理论入手，根据企业社会责任和商业银行社会责任的概念，理清法律视角下商业银行社会责任的内涵，并分析商业银行社会责任不同于一般企业社会责任的特殊性；然后总结我国商业银行在践行社会责任方面存在的问题，借鉴国外的先进做法，从法律视角提出推动我国商业银行承担社会责任的完善建议。 本文在结构上共分
3、四部分： 第一部分为商业银行社会责任的概述。这部分首先介绍企业社会责任和商业银行社会责任的概念；其次通过认真分析得出法律视角下商业银行社会责任的内涵，并进一步根据其内涵将商业银行社会责任的内容分为法律赋予银行所要承担的法律义务、非自愿履行的道德义务和自愿履行的道德义务；最后是对商业银行社会责任的特殊性作深入剖析。 第二部分为商业银行承担社会责任的正当性和必要性分析。根据企业公民理论和外部性理论阐明商业银行履行社会责任的正当性，再根据商业银行职能、特征等方面解析其履行社会责任的必要性。 第三部分为我国商业银行履行社会责任的现状。这部分介绍了我国商业银行在履行社会责任方面存在的问题并对导致这些问题
4、的原因进行剖析。 第四部分为法律视角下推动我国商业银行践行责任的建议。这部分内容首先是对商业银行社会责任的法制化、立法模式和规范商业银行社会责任的法律规范类型进行探讨，在此基础上，提出通过具体立法构建和政府适当干预来规制商业银行社会责任中法律义务的构想；其次是从经济民主等角度论证第三方监督的重要意义，提出通过发挥社会组织、 媒体和社会大众等第三方力量的监督作用来规范商业银行社会责任中道德义务2 的建议；最后是在探讨商业银行践行社会责任的公司治理结构模式的基础上，提出通过构建理想治理结构和建立社会责任管理制度来引导商业银行自愿履行社会责任的建议。 关键字：商业银行；社会责任；法律视角；完善建议
5、1 Abstract Yaan earthquake in Sichuan, the domestic commercial banks to actively fulfill their social responsibilities, in the event of an emergency to fulfill their social responsibilities to show more advantages, more convenient, and compared with the general enterprises, commercial banks have soc
6、ial, monopoly, debt management features such as business and capital regulation function makes its social responsibilities more the necessity and legitimacy of the rich. While the earth quake relief only commercial banks to fulfill the social responsibility of a miniature, their social responsibilit
7、y of the field more broadly, however, commercial banks in the still unsatisfactory to fulfill their social responsibilities, which requires us to use the law and moral strength to promote. This paper from the commercial banks social responsibility theory, based on the concept of social responsibilit
8、y and social responsibility of commercial banks, defines the concept and content of social responsibility of commercial banks from the point of view of law, and analyzes the social responsibility of commercial banks particularity different from general corporate social responsibility, and then summa
9、rizes the commercial banks in our country exist in the practice of social responsibility the problem, learn from advanced foreign practices, proposed consummates our country commercial bank social responsibility from legal perspective. According to the research ideas, this article besides the introd
10、uction, is divided into four parts, which constitute the overall framework of this paper. The first part is an overview of the social responsibility of the commercial bank. This part first introduces the scholars from different angles on the social responsibility and the social responsibility of the
11、 commercial bank defined; then through careful analysis of the legal connotation from the perspective of social responsibility of commercial banks, and further according to its meaning will be content with the legal obligation for the law to be borne by the bank and by non-governmental organizations
12、, public opinion and the public pressure to ensure the realization of the commercial banks voluntarily perform and moral obligation; the last is the particularity of social responsibility of commercial banks deeply. The second part is the analysis of the necessity of commercial bank social responsib
13、ility and legitimacy. According to the legitimacy of corporate citizenship theory and externality theory to elucidate the commercial banks to fulfill the social responsibility of commercial banks, according to the functions, characteristics, analysis the necessity to fulfill their social 2 responsib
14、ilities. The third part is the situation of banks to fulfill their social responsibilities. It introduced our country commercial banks to fulfill their social responsibilities, problems and the reasons causing these problems are analyzed. The fourth part consummates our country commercial bank socia
15、l responsibility for legal perspective. The first part is the commercial banks social responsibility legal system, legislative mode and legal norms constitute is discussed, on the basis of this, put forward the idea of law to regulate commercial banks through specific legislation and appropriate gov
16、ernment intervention in the social responsibility obligations; second is the important argument third party supervision from the angle of economic democracy, the moral obligation by the supervisory role played by social organizations, the media and the public and three party power to regulate the social responsibility of commercial banks in the proposal; finally on the base of the model of corporate governance structure, guide the social responsibility o
