贵州财经大学学报

贵州财经大学学报 ›› 2020 ›› Issue (03): 22-32.

• 金融经济 • 上一篇    下一篇

绿色信贷如何影响银行财务绩效——基于地区绿色发展异质性的视角

张琳1, 廉永辉2, 曹红2   

  1. 1. 北京工商大学, 北京 100048;
    2. 首都经济贸易大学, 北京 100070
  • 收稿日期:2019-12-09 出版日期:2020-05-15 发布日期:2020-05-14
  • 作者简介:张琳(1991-),女,河南新乡人,北京工商大学经济学院讲师,博士,研究方向为绿色金融;廉永辉(1990-),男,山东菏泽人,首都经济贸易大学讲师,博士,研究方向为商业银行经营管理;曹红(1985-),女,河南南阳人,首都经济贸易大学讲师,博士,研究方向为能源金融。
  • 基金资助:
    国家社会科学基金青年项目"动态资产配置框架下商业银行开展绿色信贷的驱动机制研究"（17CJY065）。

How Does Green Credit Affect Bank Financial Performance—Based on the Heterogeneity of Regional Green Development

ZHANG Lin1, LIAN Yong-hui2, CAO Hong2   

  1. 1. School of Economics, Beijing Technology and Business University, Beijing 100048, China;
    2. School of Finance, Capital University of Economics and Business, Beijing 100070, China
  • Received:2019-12-09 Online:2020-05-15 Published:2020-05-14

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摘要： 基于2007~2017年中国34家商业银行非平衡面板数据，实证检验了商业银行开展绿色信贷对其财务绩效的影响，并利用《中国绿色发展指数报告》提供的分省绿色发展指数，考察了绿色发展对绿色信贷与银行财务绩效关系的调节效应。结果表明：商业银行发放绿色信贷投放有助于改善其财务绩效，并且这种改善效应主要来自绿色信贷对银行生息资产收益率的提升作用；绿色发展水平能够增强银行投放绿色信贷的经济效益，并且这种增强效应主要与地方经济增长绿化度和地方政府对绿色发展的支持度有关。商业银行应积极开展绿色信贷业务；政府部门应加强和完善绿色信贷激励政策，以推动绿色金融与绿色经济协同发展。

关键词: 绿色信贷, 绿色发展, 财务绩效

Abstract: Based on the unbalanced panel data of 34 Chinese commercial banks from 2007 to 2017, this paper empirically tests the influence of green credit on banks’ financial performance and examines the moderating effect of green development on the relationship between green credit and bank financial performance using the provincial green development index provided by "China Green Development Index Report". Results show that: green credit granted is helpful to improve banks’ financial performance, and the improvement effect is mainly achieved by improving banks’ return on interest bearing assets; green development can enhance the economic benefits of green credit granted by banks, and the enhancement effect is mainly related to the greening degree of local economic growth and the support degree of local governments for green development.Commercial banks should actively carry out green credit business; government departments should strengthen and improve green credit incentive policies to promote the coordinated development of green finance and green economy.

Key words: green credit, green development, banks’ financial performance

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