Examining the relationship between social capital and bank/consumer relations, we find banks in high social capital areas pay more interest and charge fewer fees on deposits, charge lower rates on loans, are less risky, more profitable, hold less capital, and display lower likelihoods of default and failure. Results reflect that commercial banks operating in high social capital areas do not solely maximize profits but seem to pursue objectives promoting stakeholder interests. To clarify this, we examine and find that banks operating in high social capital areas have higher community CSR scores. Banks operating with a CSR conscious perspective are more inclined to consider community interests than purely profit-maximizing banks. Thus, social capital matters because it motivates banks to adopt objectives other than pure profit maximization.

检查社会资本与银行/消费者关系之间的关系，我们发现高社会资本地区的银行支付更多的利息，收取更少的存款费用，收取更低的贷款利率，风险更小，利润更高，持有的资本更少，并且显示更低违约和失败的可能性。结果表明，在高社会资本领域经营的商业银行不仅仅追求利润最大化，而且似乎追求促进利益相关者利益的目标。为了澄清这一点，我们检查并发现在高社会资本地区运营的银行具有更高的社区 CSR 得分。以企业社会责任意识经营的银行比纯粹追求利润最大化的银行更倾向于考虑社区利益。因此，社会资本很重要，因为它促使银行采用纯利润最大化以外的目标。