我国绿色信贷效率评价及改善路径研究

Efficiency Evaluation and Improvement of Green Credit

绿色信贷是我国绿色金融发展的重要动力。伴随绿色信贷规模的不断扩大,我国绿色信贷发展治理水平究竟如何、是否存在改善空间以及如何改善等问题,亟待得到解答。为此,本文使用2013—2017年我国21家主要银行的绿色信贷数据,采用多方向效率分析方法,对我国银行业绿色信贷的整体效率进行评价,并进一步分析各投入、产出指标的个体效率。研究发现,我国银行业开展绿色信贷的整体效率不高,主要原因是产出效率过低;不同绿色贷款项目的产出效率存在明显差异,其中,绿色服务类和绿色主力类表现突出,境外项目类次之,美丽中国类效率最低。基于绿色信贷项目的效率特征,本文将12种绿色信贷项目分为三个梯队,并从优先选择、组合搭配和创新支持三个方面设计了相应的效率提升路径。最后,本文还进一步从行业自律、信息共享和外部激励三个角度对提升我国绿色信贷效率提出了相关建议。

Green credit is an important driving force for China's green financial development.With the continuous scale expansion of green credit,many issues including how efficient it is,whether there is room for improvement,and how to improve need to be urgently addressed.Based on the green credit data of 21 major China's banks from 2013 to 2017,this paper evaluates the overall efficiency of green credit in China's banking sector using the multi-directional efficiency analysis,and further analyzes the individual efficiency of each input and output variables.It is found that the overall efficiency of green credit in China's banking sector needs to be improved,mainly due to lower output efficiency.There are obvious differences between the output efficiency of various green credit projects:the performance of green service is outstanding,followed by overseas projects,and the efficiency of beautiful China is the lowest.In the context of heterogeneous efficiency characteristics of 12 types of green credit projects,this paper divides them into three groups,and designs efficiency improvement models correspondingly from three aspects involving prior choice,allocation and innovation support.Further,this paper proposes series of suggestions to improve the efficiency of green credit from the perspectives of industry selfdiscipline,information sharing and external incentives respectively.