我国五大商业银行绿色信贷对盈利能力的影响研究

• 作者： 王敬淇 ¹ 罗丹程 ¹
• 作者单位：
  1.  沈阳工业大学
• 发布时间：2024-10-22

摘要: 绿色信贷业务已成为商业银行重要的信贷业务，环境因素开始被纳入其审核及评估范围。在此背景下，绿色信贷业务对商业银行盈利能力的影响关乎其落实绿色信贷政策的积极性。基于此，本文围绕绿色信贷业务对银行盈利能力的影响展开研究。本文选取我国五家具有代表性的国有商业银行2007—2021年的绿色信贷相关数据，并使用STATA20.0进行多元回归分析。实证结果显示，绿色信贷比和我国五大商业银行的盈利能力呈正相关，目前绿色信贷业务给我国五大行带来的盈利增幅较低。最后，本文分别从政府层面和商业银行层面提出推进绿色信贷发展的对策建议，以供参考。

Abstract: The green credit business has become a crucial credit activity for commercial banks, with environmental factors being incorporated into their assessment and evaluation processes. The impact of green credit business on the profitability of commercial banks is vital to understand their commitment to implementing green credit policies. This article focuses on the infl uence of green credit business on the profi tability of commercial banks. The study utilizes data related to green credit from China’s five representative state-owned commercial banks from 2007 to 2021, employing STATA 20.0 for multivariate regression analysis. The empirical results reveal a positive correlation between the green credit ratio and the profitability of these five major Chinese commercial banks. However, the current contribution of green credit businesses to the profi t increment of these banks is relatively low. At the end of the article, it proposes policy recommendations from the governmental and commercial banks to advance the development of green credit.

• 分类： 应用经济学 >> 金融学
• 稿件状态： 已在期刊出版
期刊名称： 《中国商论》 2024年 第2期
• 引用： PSSXiv:202410.02027 (或此版本 PSSXiv:202410.02027V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.02.113
  CSTR:32012.36.PSSXiv.202410.02027
• 推荐引用方式： 王敬淇,罗丹程.我国五大商业银行绿色信贷对盈利能力的影响研究.中国商论,2024(2).[DOI:10.19699/j.cnki.issn2096-0298.2024.02.113] (点此复制)