金融科技对绿色信贷的影响及作用机制——基于商业银行金融科技视角

The Impact and Role Mechanism of Fintech on Green Credit——Based on the Perspective of Fintech in Commercial Banks

数字经济时代,金融科技能否赋能绿色信贷发展,从而推动商业银行实现数字化绿色转型?本文创新性地从商业银行内部视角出发,基于2012—2021年22家中国上市商业银行数据,利用文本挖掘法构建金融科技发展指数,探究金融科技对绿色信贷的影响。研究发现,金融科技通过缓解信息不对称、调整信贷配置和降低信贷风险显著促进了绿色信贷的投放。异质性分析表明,金融科技对绿色信贷投放的促进作用在规模小、资本充足率高的商业银行以及城市商业银行中表现得更加明显。因此,商业银行应持续推进金融科技发展,以助力我国绿色金融的发展以及“双碳”目标的实现。

In the era of digital economy,can fintech empower the development of green credit and thus drive com-mercial banks to realize digital green transformation?This paper innovatively starts from the internal perspective of com-mercial banks and utilizes the text mining method to construct a fintech development index based on the data of 22 Chi-nese listed commercial banks from 2012 to 2021 to explore the impact of fintech on green credit.The study found that fintech significantly facilitates the placement of green credit by alleviating information asymmetry,adjusting credit al-location and reducing credit risk.Heterogeneity analysis shows that the promotion effect of financial technology on green credit allocation is more obvious in small-sized banks with high capital adequacy ratios and urban commercial banks.Therefore,commercial banks should continue to promote the development of financial technology to help the development of green finance and the realization of the"double carbon"goal in China.