环境治理投入与银行资产质量——基于绿色信贷视角的分析

Environmental Improvement Investment and Quality of Bank Assets——An Analysis Based on Green Credit

本文采用中国31个省市区2005～2013年环境治理投入与银行不良贷款的数据,研究环境治理投入与银行资产质量之间的关系。结论表明：随着环境治理投入的增加,银行的不良贷款率下降,银行资产质量得到提升。这表明工业污染的治理不仅是一种社会责任的体现,而且与银行切身利益相关,加大对绿色经济领域的信贷投放已成为商业银行的必然选择。

In this paper, the data of the environmental improvement investment and banking non-performing loans （NPL） of China＇s 31 provinces during 2005-2013 are used to analyze the relationship between environmental improvement investment and the quality of bank assets. The conclusions of the paper show that the banking NPL ratio goes down and the quality of bank assets is improved with the increase in environmental improvement investment, which indicates that industrial pollution treatment is not only a social responsibility, but also related to the vital benefits of banks, and increasing credits for green economy is an inevitable choice for commercial banks.