开展绿色信贷会影响商业银行盈利水平吗?

Would the Profitability of Commercial Banks Be Affected Green Credit?

绿色信贷借助金融的力量对产业结构进行绿色调整,相比于原来直接进行行政调控与通过税收调控,绿色信贷更具灵活性、针对性,更符合市场调控的原则。而银行开展绿色信贷的直接动力来源于其对自身盈利能力的影响。理论上,银行开展绿色信贷会提高其营业成本,从而降低其盈利能力,但增加贷款总额将提高其盈利能力。本文以2009年—2014年,中国银行等14家银行为样本,从银行放贷成本的角度分析开展绿色信贷对商业银行盈利水平的影响。实证结果表明,银行开展绿色信贷会增加其单位业务及管理费用,而单位业务及管理费用的增加会导致其单位营业利润的降低,但单位贷款额的增加会提高其单位营业利润,即在核心资本净额不变的情况下,开展绿色信贷会造成银行营业利润的降低,但扩大贷款总额能抵消开展绿色信贷带来的利润损失。

Green-credit shapes the industrial structure with financial power.Compared to the original direct administrative control and the tax regulation,green-credit is more flexible and targeted,more in line with the principles of market regulation.The motivation of banks to supply green credit comes from its influence on profitability.In theory,banks supplying green credit will increase operating costs,thereby reducing its profitability,but the increase in loan amounts will increase its profitability.In this paper,we study the impacts of green credit on the profitability of commercial banks from the perspective of the cost of bank lending,using the Bank of China and other 14 banks between 2009 and 2014 as samples.The empirical results show that,supplying green credit increases its business and administrative expenses,and business and administrative expenses increase leads to a decrease in the operating profit,but the loan amount increase will improve the unit operating profit.To conclude,supplying green credit leads to lower operating profit,but the expansion of loans offsets the losses.