绿色信贷对商业银行财务绩效的影响研究

Research on the Relationship between Green Credit and Financial Performance of Commercial Banks

自2007年我国政府积极推行绿色金融发展以来,绿色金融在全国各行各业中得到迅速发展。但对于商业银行来说,实行绿色信贷对银行的财务绩效影响尚无明确定论。本文以2013-2018年14家商业银行为样本,实证分析发现,绿色信贷可以拓展盈利渠道,能够为商业银行带来竞争优势、声誉效应和潜在经济效应,以此弥补因绿色信贷而产生额外成本费用,从而能够显著提升商业银行的财务绩效。并以此提出建议,商业银行应当基于大力发展绿色信贷相关业务,拓展盈利渠道,并需要注重业务发展中不良贷款率等一系列问题。

Since 2007,Chinese government has been actively promoting the development of green finance,and green finance has been developing rapidly in various industries.But for commercial banks,the impact of green credit on the financial performance of banks is not clear.This paper selects 14 commercial banks from 2013 to 2018 as samples,and finds that green credit can expand profit channels,bring competitive advantage,reputation effect and potential economic effect to commercial banks,so as to compensate for the additional costs and expenses incurred by green credit,and thus significantly improve the financial performance of commercial banks.Based on this suggestion,commercial banks should vigorously develop green credit-related businesses,expand profit channels,and pay attention to a series of issues such as the non-performing loan ratio in business development.