金融机构社会责任评价准则 Evaluationcriteriaforsocialresponsibilityoffinancial institutionsICS03.060 CCSA11T/HFDA 团体标准 T/HFDA1002-2022 2022-10-19发布 2022-10-19实施 海南省金融发展促进会发布 全国团体标准信息平台 全国团体标准信息平台 I目次 前言.................................................................................III 1范围................................................................................1 2规范性引用文件......................................................................1 3术语和定义..........................................................................1 3.1评价.............................................................................1 3.2评价指标.........................................................................1 3.3金融机构.........................................................................1 3.4金融机构社会责任.................................................................1 3.5原则.............................................................................2 3.6有道德的行为.....................................................................2 3.7透明.............................................................................2 3.8利益相关方.......................................................................2 3.9股东.............................................................................2 3.10员工............................................................................2 3.11消费者..........................................................................2 3.12产品............................................................................2 3.13环境............................................................................2 3.14节能减排........................................................................2 3.15可持续发展......................................................................3 3.16供应链..........................................................................3 3.17不良贷款率......................................................................3 3.18拨备覆盖率......................................................................3 3.19净资本资产率....................................................................3 3.20净资本负债率....................................................................3 3.21应收保费率......................................................................3 3.22简单退保率......................................................................3 3.23结案率..........................................................................3 3.24收入能耗比......................................................................3 3.25环保投入率......................................................................4 4应用................................................................................4 5目的与原则..........................................................................4 5.1引导性...........................................................................4 5.2可比性...........................................................................4 5.3普适性...........................................................................4 5.4持续性...........................................................................4 6评价内容............................................................................4 6.1遵纪守法.........................................................................4 6.2经济社会责任.....................................................................5 6.3客户责任.........................................................................6 6.4员工责任.........................................................................6T/HFDA1002-2022 全国团体标准信息平台 II6.5公益慈善责任.....................................................................6 6.6环境责任.........................................................................6 6.7科技创新.........................................................................7 6.8产业辐射.........................................................................7 6.9和谐社区.........................................................................7 6.10股东权益........................................................................7 7评分.