СОЦІАЛЬНА ВІДПОВІДАЛЬНІСТЬ БАНКІВ У КОНТЕКСТІ ЗАБЕЗПЕЧЕННЯ СОЦІАЛЬНО-ЕКОНОМІЧНОГО РОЗВИТКУ КРАЇНИ

Abstract

Corporate social responsibility is the responsibility of an individual company for the impact of its decisions and actions on society, the environment, through transparent and ethical behavior that promotes sustainable development, health and well-being of society, takes into account the expectations of stakeholders, complies with applicable law and international conduct. Taking into account that the main economic role of banks is to provide financial opportunities for business by increasing the monetization of the economy through cheap credit, promoting the production of high value-added goods, so that not to become a raw material appendage and a powerful supplier of labor to other countries it is important to analyse the social responsibility of banks in the context of ensuring the social and economic development of the state. The urgent task in the near future for Ukraine involves the formation of the concept of its development, focused on people, concentrating on financial investments in the basic infrastructure of cities in the field of education, medicine, ecology. One of the tools for this strategic task is the social responsibility of banks, based on their interaction with regional and local governments in order to form and develop partnerships to ensure the efficiency of business processes, soften the monetary policy of the National Bank of Ukraine (NBU) at the expense of money issued by commercial banks in the form of cheap loans. The article monitors the main areas of social responsibility in the banks of Ukraine, identifies obstacles to the active development of social responsibility of banks. The priority tasks set for Ukrainian banks to intensify their social responsibility are the formation and publication of a mandatory Management Report, also partnership of banks with influence groups, non-governmental organizations, as well as with local authorities, their systematic transition from project-based social responsibility to program-based activity in their initiatives, adaptation of international projects and strategies of banks to the Ukrainian market, introduction of innovative products and services in the operational activities of banks, which help to solve specific social problems and create new opportunities for people.