绿色信贷,银行异质性与银行经营绩效

Green Credit,Bank Heterogeneity,and Bank Operating Performance

从商业银行异质性角度出发,采用17家上市银行11年的面板数据分组进行实证研究,检验绿色信贷与上市商业银行经营绩效二者间的内在关系,得出如下结论:一是绿色信贷与非国有商业银行经营绩效之间存在非线性关系;二是绿色信贷对国有商业银行经营绩效存在促进作用,对非国有商业银行经营绩效存在负向作用,导致中小型商业银行缺乏开展绿色信贷业务的动机;三是总资产规模与银行的经营绩效并无关系,不同规模的商业银行对其经营绩效没有显著性影响。

Based on the perspective of the heterogeneity of commercial banks,the panel data grouping of 117 listed banks is used to conduct empirical research to test the internal relationship between green credit and the operating performance of listed commercial banks.According to the empirical results,the following conclusions are drawn:first,there is a non-linear relationship between green credit and the business performance of non-state commercial banks;second,the green credit promotes the business performance of state-owned commercial banks,which is the lack of green credit business motivation;third,the total assets and the business performance of banks,and commercial banks of different sizes have no significant impact on their business performance.