绿色信贷能提高商业银行绩效吗？——基于绿色声誉的中介效应

Can Green Credit Improve the Performance of Commercial Banks?——Based on the Mediation Effect of Green Reputation

本文以16家上市商业银行2008—2017年数据为样本,采用bootstrap建立路径模型,检验绿色信贷对商业银行绩效的影响路径,并分析绿色声誉在两者间的角色。研究结果表明:当前,实施绿色信贷对商业银行绩效存在负向影响,然而伴随绿色信贷行为产生的绿色声誉能够有效改善其绩效。商业银行应加快绿色信贷发展步伐,扩大绿色信贷规模以扭转当前的负向效应;同时重视绿色声誉的作用,打造独树一帜的竞争力,降低绿色信贷风险。政府应建立科学有效的激励和约束机制,提供日趋完善的政策保障和支持,为商业银行可持续绿色发展保驾护航。

Based on the data of 16 listed commercial banks from 2008 to 2017,this paper builds a path model with bootstrap to analyze the relationship between green credit and commercial bank performance,trying to explore the role of green reputation in these two.The results show that the implementation of green credit has a negative impact on the performance of commercial banks currently,but the green reputation generated by green credit behavior can effectively improve the performance.Commercial banks should accelerate the pace of development of green credit,expand the scale of green credit to reverse the current negative effects.At the same time,commercial banks should attach attention to the role of green reputation,create a unique competitive edge and reduce credit risk.The government should establish a scientific incentive and restraint mechanism to promote the sustainable green development of commercial banks.