绿色信贷规模与商业银行竞争力的关系探究  

A Study on the Relation between the Scale of Green Credit and the Competitiveness of Commercial Banks

作　　者：高晓燕 高歌 GAO Xiao-yan;GAO Ge(Tianjin University of Finance and Economics,Tianjin 300222,Chin)

机构地区：[1]天津财经大学金融系,天津300222

出　　处：《经济问题》2018年第7期15-21,共7页On Economic Problems

基　　金：国家社会科学基金项目"包容性金融发展减缓农村人口贫困的作用机制及政策选择研究"(16BJY157)

摘　　要：在经济发展与环境问题的矛盾日益突出,我国积极贯彻绿色发展理念的背景下,绿色信贷越来越成为各类金融机构信贷发展的主流方向。在对相关背景及对绿色信贷规模与商业银行竞争力的关系的理论进行探究的基础上,以20家银行为样本,利用主成分分析法得出银行竞争力情况,并通过回归分析对绿色信贷规模与其竞争力的关系进行了实证研究。结果表明:在95%的置信水平下,绿色信贷规模与商业银行竞争力之间呈正相关,即我国银行业实施绿色信贷会对竞争力产生积极作用。With the more prominent contradictions between economic development and environmental problems,and the concept of green development,green credit becomes the mainstream of the credit development of all types of financial institutions. This thesis is based on the related background and the relationship between the green credit scale and competitiveness of commercial banks in theory,with 20 banks as sample,using the principal components analysis to get the competitiveness of the bank,and through regression analysis on the relation between green credit scale and competitiveness for empirical research. The results show that under the 95% confidence level,the scale of green credit has a positive impact on its competitiveness,that is,the implementation of green credit in China＇s commercial banks will play a positive role in its competitiveness.

关 键 词：绿色信贷 商业银行竞争力 绿色发展理念 

分 类 号：F830.5[经济管理—金融学]