绿色信贷、商业银行财务绩效和异质性研究——基于15家上市银行的实证分析  

Research on Green Credit,Financial Performance and Heterogeneity of Commercial Banks——Based on the Empirical Analysis of 15 Listed Banks

作　　者：王晓光[1] 王璐 WANG Xiaoguang;WANG Lu(College of Economics,Changchun University,Changchun 130022,China)

机构地区：[1]长春大学经济学院,长春130022

出　　处：《长春大学学报》2020年第7期12-19,共8页Journal of Changchun University

基　　金：吉林省教育厅项目(JJKH20200582SK)。

摘　　要：从绿色信贷角度出发,理论分析了绿色信贷对商业银行财务绩效的影响。基于2012—2018年15家商业银行的面板数据,实证分析了其中的影响机制。结果表明:短期内,绿色信贷对商业银行财务绩效呈现负面影响,而且中小商业银行面临的不利影响明显高于大型商业银行,显示出异质性的作用,这也揭示了商业银行实施绿色信贷的主动性和积极性不高的原因。鉴于此,对不同类型的商业银行提出具体的政策建议,认为其应该从差异化政策指引和加大复合型人才培养等方面有效推进绿色信贷业务。From the perspective of green credit,this paper analyzes the impact of green credit on the financial performance of commercial banks theoretically.Based on the panel data of 15 commercial banks from 2012 to 2018,it analyzes the impact mechanism empirically.The results show that green credit has a negative impact on the financial performance of commercial banks in the short term,and the negative impact on small and medium-sized commercial banks is greater than that on large commercial banks,indicating a role of heterogeneity,which reveals the reasons why the initiative and enthusiasm of banks in implementing green credit is not high.In view of this,it puts forward some specific policy suggestions for different types of banks,considering that green credit business should be promoted from the aspects of differentiation policy guidance and cultivation of compound talents.

关 键 词：绿色信贷 财务绩效 异质性影响 

分 类 号：F830.5[经济管理—金融学]