绿色信贷对我国商业银行竞争力的影响研究——以20家上市商业银行为例  

Research on the Impact of Green Credit on the Competitiveness of Commercial Banks in China--Taking 20 Listed Commercial Banks as Examples

作　　者：庹林华 陈涛 

机构地区：[1]沈阳化工大学,辽宁沈阳110142 [2]不详

出　　处：《浙江金融》2023年第5期13-24,共12页Zhejiang Finance

摘　　要：以20家上市商业银行为研究样本,选取2013年至2021年数据,对绿色信贷与商业银行竞争力关系进行研究。结果发现,绿色信贷对我国商业银行竞争力具有显著正向影响,在不考虑新冠疫情因素下,该结果更加显著。并且,绿色信贷对银行竞争力的影响效果存在异质性。同时,银行盈利在绿色信贷对商业银行竞争力的影响中存在中介效应和门槛效应。最后,本文基于研究结果提出相关建议。This article takes 20 listed commercial banks as research samples,selects data from 2013 to 2021,and conducts theoretical and empirical analysis to study the relationship between green credit and the competitiveness of commercial banks.The results showed that green credit has a significant positive impact on the competitiveness of commercial banks in China and there is a lag effect.Without considering the epidemic factors,this result is more significant.Moreover,there is heterogeneity in the impact of green credit on bank competitiveness.At the same time,bank profitability has mesomeric effect and threshold effect in the impact of green credit on the competitiveness of commercial banks.Finally,this article proposes relevant suggestions based on the results.

关 键 词：绿色信贷 银行竞争力 中介效应 门槛效应 

分 类 号：F832.2[经济管理—金融学]