绿色信贷对商业银行经营绩效影响的差异性——基于主成分分析方法

The Difference of the Impact of Green Credit on the Business Performance of Commercial Banks-Based on Principal Component Analysis

为探究绿色信贷对不同类型商业银行经营绩效影响的差异性,研究了12家上市商业银行2011—2020年的面板数据。基于主成分分析方法,通过实证检验绿色信贷对整体商业银行以及不同类型商业银行经营绩效的影响,最后得出结论:绿色信贷对商业银行整体呈现出显著的正向影响,但对不同类型商业银行的影响存在差异性。第一,绿色信贷对大型国有及股份制商业银行呈现出显著的正向影响,但二者受影响程度有差别;第二,与整体银行业及前两种类型银行完全相反,绿色信贷对城市性商业银行呈现出显著的负向影响。最后对实证结果进行原因分析。

To explore the green credit impact on different types of commercial Banks operating performance,the difference of the research of using 12 listed commercial Banks in 2011-2020 panel data,based on principal component analysis method,through the empirical green cred-it to the whole commercial banks and the influence of different types of commercial banks operating performance,and finally draw the con-clusion:green credit has a significant positive impact on commercial banks as a whole,but there are differences in the impact on different types of commercial banks.First,green credit has a significant positive impact on large state-owned and joint-stock commercial banks,but the two are affected by different degrees.Second,contrary to the overall banking industry and the first two types of banks,green credit has a significant negative impact on urban commercial banks.Finally,the reasons for the empirical results are analyzed.