绿色信贷对商业银行盈利性影响研究

Impact of green credit on the profitability of commercial banks

随着生态环境的恶化和环保观念的深入人心,我国大力提倡绿色金融理念,发展绿色信贷。绿色信贷依靠金融机构的力量对资金进行"绿色配置",可以有效地实现我国经济的绿色发展。银行开展绿色信贷业务的直接动力来源于其对自身盈利能力的影响。为探讨绿色信贷对商业银行盈利能力的影响程度,选取2008-2016年工商银行等13家银行为样本,运用个体固定效应模型对面板数据进行多元线性回归分析,结果表明,绿色信贷对商业银行盈利性具有负相关影响。最后,结合我国的实际情况提出一些促进绿色信贷发展的政策建议。

With the deteriorating ecological environment and the deepening public concern about the concept of environmental protection,China strongly advocates the concept of green finance and vigorously develops green credit.Green Credit Depending on the strength of financial institutions,the＂green allocation＂of funds can effectively realize the green development of our economy.The direct driving force for banks to develop green credit business stems from their impact on their own profitability.In order to explore the impact of green credit on the profitability of commercial banks,this paper selects 13 banks including ICBC from 2008 to 2016 as samples and conducts multivariate linear regression analysis on panel data using individual fixed-effects model.The results show that green credit has a positive effect on commercial Bank profitability has a negative correlation effect.Finally,based on the results of empirical analysis,some policy proposals to promote the development of green credit are put forward based on the actual situation in our country.