绿色金融对我国城商行盈利能力的影响研究——以江苏银行为例

Study on the Influence of Green Finance on the Profitability of City Commercial Bank in China—Taking Bank of Jiangsu as an Example

环境污染、资源浪费等问题制约着经济的可持续发展,发展绿色金融已成为大势所趋。考虑到商业银行实现利润最大化的经营目标以及绿色金融的成本和风险的权衡性,城商行发展绿色金融的内生动力低于国有商业银行和股份制商业银行。为了鼓励城商行在绿色金融领域肩负起更多的责任,为助力“碳达峰、碳中和”战略提供金融支持,本文以江苏银行为例,通过定性分析的方法研究江苏银行开展绿色金融业务对该行盈利能力的影响,结果表明:江苏银行大力开展绿色金融业务对银行盈利能力有积极的正向效应,具体表现为银行的不良贷款率下降、资本充足率总体上升、总资产规模扩大、营业收入与净利润上升、成本收入比下降、总资产收益率波动上升。最后根据分析得出的结论向政府层面和城商行层面提出相应的建议以助力绿色金融的发展。

Environmental pollution, resource waste, and other issues are constraining the sustainable development of the economy, making the development of green finance a prevailing trend. Considering the balancing act between the profit-maximizing objectives of commercial banks and the costs and risks of green finance, city commercial banks have lower endogenous motivations for developing green finance compared to state-owned commercial banks and joint-stock commercial banks. In order to encourage city commercial banks to shoulder more responsibilities in the field of green finance and provide financial support for the “peak carbon emissions and carbon neutrality” strategy, this article takes Bank of Jiangsu as an example. The study, using the qualitative analysis, examines the impact of the bank’s development of green finance business on its profitability. The results indicate that vigorously carrying out green finance business has a positive effect on the bank’s profitability, manifested by a decrease in the non-performing loan ratio, an overall increase in capital adequacy ratio, an expansion of total assets, an increase in operating income and net profit, a decrease in the cost-to-income ratio, and an increase in the return on total assets. Finally, based on the analysis, corresponding suggestions are proposed to the government and city commercial banks to contribute to the development of green finance.