华中科技大学学报:社会科学版
華中科技大學學報:社會科學版
화중과기대학학보:사회과학판
Journal of Huazhong University of Science and Technology(Social Science Edition)
2011年
6期
102~107
,共null页
国有商业银行 中小企业 社会责任
國有商業銀行 中小企業 社會責任
국유상업은행 중소기업 사회책임
state-owned commercial banks; small and medium enterprises; social responsibility
中小企业是我国繁荣经济、扩大就业、调整结构、推动创新和形成新的产业的重要力量,是国有商业银行的利益相关主体。由于国有商业银行特别的外部性和公共性,应当采取负责的经营方式,加大对中小企业的信贷支持,这是近期我国国有商业银行履行社会责任的必然要求,也是解决中小企业融资问题的有效路径。我国现行法律要求企业履行社会责任,但是国有商业银行履行社会责任的法律依据是抽象的、不具有操作性,因此,建议修改《商业银行法》,以实现社会责任的可诉性。
中小企業是我國繁榮經濟、擴大就業、調整結構、推動創新和形成新的產業的重要力量,是國有商業銀行的利益相關主體。由于國有商業銀行特彆的外部性和公共性,應噹採取負責的經營方式,加大對中小企業的信貸支持,這是近期我國國有商業銀行履行社會責任的必然要求,也是解決中小企業融資問題的有效路徑。我國現行法律要求企業履行社會責任,但是國有商業銀行履行社會責任的法律依據是抽象的、不具有操作性,因此,建議脩改《商業銀行法》,以實現社會責任的可訴性。
중소기업시아국번영경제、확대취업、조정결구、추동창신화형성신적산업적중요역량,시국유상업은행적이익상관주체。유우국유상업은행특별적외부성화공공성,응당채취부책적경영방식,가대대중소기업적신대지지,저시근기아국국유상업은행리행사회책임적필연요구,야시해결중소기업융자문제적유효로경。아국현행법률요구기업리행사회책임,단시국유상업은행리행사회책임적법률의거시추상적、불구유조작성,인차,건의수개《상업은행법》,이실현사회책임적가소성。
Small and medium enterprises are theimportant force for China′s economic prosperity in terms of employment,structural adjustment,innovationpromotion and formation of new industries.in such a sense,they are the main stakeholders of State-owned commercial banks.Due to special external and public nature of State-owned commercial banks,theyshould take responsible operations to increase credit support to the SMEs.This is an inevitable requirement for China′s State-owned commercial banks to fulfill their social responsibility in the near future.It is also the effective pathwayto SMEs financing problem.Existing law in Chinarequires social responsibility for all enterprises,but the legal basis ofthe social responsibility forState-owned commercial banks is Abstract andimpractical.It is suggestedto amend the law on commercial banks to achieve litigation of social responsibility.