履行社会责任对商业银行风险承担的影响——基于银行业竞争与绿色信贷的调节效应

Impact of Fulfilling Social Responsibility on the Risk-taking of Commercial Banks:Moderating Effect Based on Banking Competition and Green Credit

商业银行在践行可持续发展理念和履行社会责任方面走在各行各业的前列。对中国35家商业银行2010—2022年相关数据进行实证研究发现,履行社会责任对商业银行风险承担水平具有抑制作用,银行业竞争对履行社会责任与银行风险承担之间的关系具有正向调节效应,绿色信贷对履行社会责任与银行风险承担之间的关系具有负向调节效应。异质性分析表明,与股份制银行相比,履行社会责任对银行风险承担的抑制效果对国有银行和城农商行而言并不明显。最后,根据研究结论提出商业银行风险防范的对策建议。

Commercial banks are at the forefront of practicing sustainable development and fulfilling social responsibilities across various industries.The empirical research using data from 35 commercial banks in China from 2010 to 2022 was conducted.It is found that fulfilling social responsibilities has a restraining effect on the level of risk undertaken by commercial banks.Additionally,the relationship between competition within the banking industry and the fulfillment of social responsibilities has a positive moderating effect on bank risk-taking.On the other hand,green credit has a negative moderating effect on the relationship between fulfilling social responsibilities and bank risk-taking.Heterogeneity analysis indicates that the inhibitory effect of fulfilling social responsibilities on bank risk-taking is not significant for state-owned banks and urban-rural commercial banks compared to joint-stock banks.Lastly,based on the research findings,recommendations are proposed for risk prevention strategies for commercial banks.