绿色金融背景下绿色信贷对商业银行财务绩效的影响研究

Study on the Influence of Green Credit on Financial Performance of Commercial Banks Under the Background of Green Finance

随着我国经济的快速发展,环境问题日益突出。当前,我国的绿色金融已被提升至国家战略层面,而作为绿色金融体系的主体,商业银行在生态环境保护、推动经济向绿色转变中扮演着举足轻重的角色。绿色信贷在我国上市商业银行可持续发展中具有不可替代的地位,近几年上市商业银行响应绿色信贷的号召,全面披露了《社会责任报告》,总结了每年的绿色行动。我国上市商业银行能否主动开展绿色信贷业务直接关系到自身绩效的好坏。文章通过Stata16.0等软件对绿色金融环境下的商业银行进行了定量研究,实证分析了绿色信贷对商业银行财务绩效存在正向效应。

With the rapid development of our economy,environmental problems are increasingly prominent.At present,the importance of China's green finance has been promoted to the national strategic level.And as the main body of the green financial system,commercial banks play a pivotal role in ecological environmental protection and promoting the economic transformation to green.Green credit plays an irreplaceable role in the sustainable development of listed commercial banks in China.In recent years,listed commercial banks have responded to the call of green credit and fully disclosed the"Social Responsibility Report",summarizing the annual green actions.Whether China's listed commercial banks can take the initiative to carry out green credit business is directly related to their own performance.In this paper,Stata16.0 and other software are used to conduct quantitative research on commercial banks under the background of green finance,and the positive effect of green credit on the financial performance of commercial banks is empirically analyzed.