Investigation and Analysis on the Current Situation of the CommercialBank in China Performing Moral Obligations

Abstract

The commercial bank plays a vital role in the process of social and economic development. High debt and strong externality determine that it should perform more powerfully in social moral obligations. This paper launched investigations and analysis on the sit- uation of the commercial banks in China fulfilling moral obligations. By collecting the questionnaires of social public and bank practi- tioners, refining the regulatory data released by the regulatory authorities, analyzing the annual report data publicly disclosed by the commercial banks, comparing the primary data of social responsibility performance of the commercial bank and other industries, it is found that the performance of social moral obligations by the commercial banks in China stays at a reasonable level. At the same time, there are some obvious problems, such as the indifference of moral consciousness, the deviation of ethical behaviors, insufficient gover- nance, and the insufficiency of the security system of moral obligations. Based on China's specific political and economic environment, this paper pushes forward some suggestions to promote the commercial banks in China to fulfill the social moral obligations better.