绿色信贷对商业银行盈利能力的影响分析

Research on the Business Capability of Commercial Banksfrom the Perspective of Green Finance:An Empirical Analysis Based on Green Credit Data

绿色金融已成未来金融发展的趋势与方向,绿色信贷作为绿色金融体系的重要组成部分,发挥着信贷杠杆支持节能减排和经济结构调整的重要作用。本文通过成本-收益模型分析了绿色信贷分别在短期和长期如何影响商业银行的盈利,选取2009-2017年11家上市银行的相关数据,实证分析了绿色信贷对商业银行盈利能力的影响。结果表明,绿色信贷对银行盈利能力有一定的正向影响,并提出了促进绿色信贷业务发展的政策建议。

Green finance has become the growing trend in future financial development.As an important part of the green financial system,green credit plays a vital role in supporting energy conservation and economic restructuring.This report analyzes how green credit can affect the profitability of commercial banks in the short-term and long-term through using the Cost-Benefit Model,furthermore,relevant data of 11 listed banks in 2009 to 2011 has selected respectively in order to analyze empirically the impact of green credit on the profitability of commercial banks.The results show that green credit has a certain positive impact on commercial bank profitability.Therefore,with the aim of developing green credit business,it is recommended to strengthen related policy guidance,promote departmental cooperation,increase industrial supervision and restraint,improve positive incentives,change development concepts,enhance social responsibility,support green projects and innovative financial products,train professional talents,prevent and control of credit risks.Finally,these useful measures can be taken to increase the profitability of commercial banks.