绿色信贷政策对商业银行经营绩效有冲击效应吗?

Does Green Credit Policy Have Impact on Commercial Bank Performance?

在“双碳”目标的指引下,商业银行作为绿色信贷政策的实施主体,必然会关注该政策对其经营绩效的影响。文章运用双重差分模型,探究绿色信贷政策对商业银行经营绩效产生的冲击效应。研究发现:商业银行经营绩效受到绿色信贷政策的正向冲击;进一步分析发现,绿色信贷政策对大型国有商业银行以及城商行产生了正向冲击效应,但对股份制商业银行和农商行产生的冲击效应为负。在政策推进中,有关部门需完善绿色信贷配套措施,引导银行不断改进内部相关监管机制,同时还需加强人才队伍建设,以便充分发挥绿色信贷政策对商业银行的正向效益。

Under the guidance of the“dual carbon”target,commercial banks,as the main body of green credit policy implementa⁃tion,will inevitably concern about the impact of this policy on their business performance.This paper uses the DID model to ex⁃plore the impact of green credit policy on the operating performance of commercial banks.The results show that the operating per⁃formance of commercial banks is positively impacted by green credit policies.Further analysis has found that,the green credit poli⁃cy has a positive impact on large state-owned commercial banks and urban commercial banks,but has a negative impact on jointstock commercial banks and rural commercial banks.In the process of policy implementation,the government need to improve the supporting measures of green credit,guide banks to continuously improve the corresponding internal supervision mechanism,and strengthen the construction of talent team,so as to give full play to the positive benefits of green credit policy on commercial banks.