内生环境如何决定商业银行绿色信贷发展--基于NCA与fsQCA方法

Determinants of Green Credit Evolution in Commercial Banks:An Examination of the Endogenous Environment through NCA and fsQCA Methods

结合NCA与fsQCA两种方法,从盈利性、安全性、流动性、规模性、创新性和协同性六个维度构建内生环境条件变量,探究内生环境如何决定商业银行绿色信贷发展。研究发现,各条件变量均不构成商业银行绿色信贷发展的必要条件,且通过联动匹配识别出合理配置型、稳步拓展型、多元驱动型和盈利增长主导型四类高绿色信贷发展条件组态。同时也存在多因素匮乏型、发展局限型、成长潜力型和亟需拓宽型四类低绿色信贷发展条件组态。基于此,建议完善绿色信贷分配制度,提升商业银行创新能力,加强商业银行风险管控,以此优化商业银行绿色转型的内生环境。

This study leverages the NCA and fsQCA methodologies to construct endogenous environmental conditions from six dimensionsprofitability,security,liquidity,scale,innovation,and synergyand dissect how the endogenous environment influences the evolution of green cred-it within commercial banks.The findings unveil that no single condition variable emerges as an obligatory condition for the advancement of green credit in commercial banks.Furthermore,four configuration types that foster green credit development are discerned through intricate link-matching:rational allocation,steady expansion,diverse drivers,and profit-led growth.Converse-ly,four configuration types that hinder green credit development are also identified:multi-factor deficiency,developmental constraints,latent growth,and those in acute need of expansion.In view of these revelations,recommendations made to overhaul the green credit allocation system,invig-orate the innovation capabilities of commercial banks,and fortify risk management,thus optimi-zing the endogenous environment conducive to the green transformation of commercial banks.