绿色信贷政策对商业银行信贷风险的影响——基于银行声誉视角的中介效应分析

The Impact of Green Credit Policy on the Credit Risk of Commercial Banks——Mediation Effect Analysis Based on the Perspective of Bank Reputation

随着人们环保意识的逐步提高,政府与各社会群体开始意识到绿色信贷的重要性。为推动银行业积极承担社会责任和落实绿色信贷,有必要从银行声誉的视角分析绿色信贷对银行信贷风险的影响。论文基于银行声誉的视角,分析绿色信贷政策对商业银行信贷风险的影响机制,运用中介效应模型对该银行声誉的中介效应进行验证,并进一步检验模型的内生性与稳健性。结果表明:绿色信贷对商业银行信贷风险具有负向影响;银行声誉具有中介效应;中小型银行开展绿色信贷业务的银行数量较少,更易受到绿色信贷业务的影响。最后,论文结合当前商业银行实施绿色信贷的现状提出了相关建议。

As people’s environmental consciousness increases step by step,the government and social groups are beginning to realize the importance of green credit.In order to push forward the banking industry to positively bear the responsibility and run green credit,it is necessary to research its impact on bank credit risk.Based on the perspective of bank reputation,this paper analyzes the influence mechanism of green credit policy on the credit risk of commercial banks,uses the intermediary effect model to verify the intermediary effect of the bank reputation,and further tests the endogeneity and robustness of the model.The results show that green credit has a negative impact on the credit risk of commercial banks;Bank reputation has intermediary effect;The number of small and medium-sized banks carrying out green credit business is small,which is more vulnerable to the impact of green credit business.Combined with the current situation of the implementation of green credit in commercial banks,in order to put forward reasonable suggestions.