西藏绿色信贷绩效评价与政策优化研究

On Green Credit Performance Evaluation and Policy Optimization in Tibet

党的十八届五中全会提出“创新、协调、绿色、开放、共享”五大发展理念,将“绿色”发展战略上升至国家高度,西藏作为重要的国家生态安全屏障,在党和国家事业发展全局中的战略地位非常重要。近年来,西藏地区绿色信贷市场规模逐渐扩大、产品日益丰富,绿色信贷业务呈现快速发展态势。文章基于平衡计分卡原理,以西藏13家商业银行为对象,从社会效益、商业银行自身可持续发展、经营管理、践行绿色理念4个维度,构建了商业银行绿色信贷绩效评价的指标体系,并进行了测度分析。结果发现:2017-2022年西藏13家银行的绿色绩效均保持持续增长态势,且平均增长速度均达到50%以上(林芝民生村镇银行除外);其次,13家银行的绿色绩效增长不均衡,增长最快的是国家开发银行,林芝村镇民生银行增长最慢;最后,从4个维度对绩效的影响程度来看,对绩效影响相对高的是社会效益,权重占比0.5323,践行绿色理念对绩效影响相对低,权重占比0.0825。据此建议加强对股份制银行的政策支持力度,加强践行绿色理念这一维度的政策支持强度。

The Fifth Plenary Session of the 18th CPC Central Committee put forward the five development con⁃cepts of"innovation,coordination,greening,opening up,and inclusiveness",which elevated the"greening"de⁃velopment strategy to the national level.Tibet,as an important national ecological security barrier,takes a very important strategic position in the overall development of the Party and the State.In recent years,the market scale of green credit in Tibet has been expanding gradually,the credit products are becoming various and abun⁃dant.Accordingly,the green credit service has shown a rapid development trend.Based on the principle of BSC(balanced score card),this paper constructs an index system for evaluating the green credit performance of com⁃mercial banks from four dimensions,namely,social benefit,sustainable development,operation and manage⁃ment,and the practice of the green concepts.And then with 13 commercial banks in Tibet as the objects,an anal⁃ysis has been carried out.The results show that:firstly,the green performance of all 13 banks in Tibet main⁃tained a continuous growth from 2017 to 2022,and the average growth rate reached more than 50%(except for Nyingchi Minsheng Rural Bank);secondly,the growth of green performance of the 13 banks was uneven,with the fastest growth of the China Development Bank and the slowest growth of Nyingchi Minsheng Rural Bank;lastly,in terms of the impact of the four dimensions on the green performance,the impact of social benefit was relatively more severe,with a weighting of 0.5323,but the practice of green concepts had a relatively less impact on the green performance,with a weighting of 0.0825.Accordingly,it is recommended to increase the policy support for joint-stock banks and the practice of green concepts.