商业银行社会责任研究——基于金融消费者视角的中期报告.docxVIP

商业银行社会责任研究——基于金融消费者视角的中期报告 摘要： 本研究旨在探讨商业银行在社会责任方面的表现与金融消费者对其的评价。采用问卷调查法，通过随机抽样得到212份有效问卷。研究发现，商业银行在环保、助学、扶贫等方面的社会责任表现相对较好，但在薪酬公平、信息透明等方面存在一定的改进空间。此外，研究还发现，金融消费者对商业银行社会责任的重要程度与其投资理财经验、收入水平以及年龄有关，同时也存在一些认知偏差。因此，商业银行应更加注重信息透明，加强与消费者的沟通和交流，不断完善社会责任体系，提升消费者满意度和信任感。 关键词：商业银行；社会责任；金融消费者；评价；改进建议 Abstract: This study aims to explore the performance of commercial banks in social responsibility and the evaluation of financial consumers. The questionnaire survey method was used and 212 valid questionnaires were obtained through random sampling. The study found that commercial banks social responsibility performance is relatively good in areas such as environmental protection, education assistance, and poverty alleviation, but there is room for improvement in areas such as fair compensation and information transparency. In addition, the study also found that the importance of commercial banks social responsibility to financial consumers is related to their investment and financial management experience, income level, and age, and there are still some cognitive biases. Therefore, commercial banks should pay more attention to information transparency, strengthen communication and communication with consumers, continuously improve the social responsibility system, and enhance consumer satisfaction and trust. Keywords: commercial bank; social responsibility; financial consumer; evaluation; improvement suggestions