绿色信贷对我国商业银行竞争力的影响研究——基于17家上市银行面板数据  

Research on the Impact of Green Credit on Competitiveness of China’s Commercial Banks:Based on Panel Data from 17 Listed Banks

作　　者：刘涛 杨宇 LIU Tao;YANG Yu(Wuhan College of Arts and Sciences,Wuhan Hubei 430345,China)

机构地区：[1]武汉文理学院,湖北武汉430345

出　　处：《金融理论与教学》2024年第4期38-44,53,共8页Financial Theory and Teaching

摘　　要：基于2011—2022年17家上市银行的面板数据,利用熵值法计算商业银行盈利性、安全性、流动性、成长性四个方面各指标的权重,求取商业银行竞争力综合得分,构建score、roa、lr三个回归模型,进而分析绿色信贷对商业银行竞争力的影响。研究表明:绿色信贷比率的增加,在短期内会对商业银行竞争力造成微小影响,长期来看,增加绿色信贷有利于商业银行竞争力增加;增加绿色信贷发放比率,资金流动性将上升。因此,发展绿色金融成为商业银行提升竞争力的有力武器。Based on panel data from 17 listed banks from 2011 to 2022,the entropy method is used to calculate the weights of various indicators in four aspects of commercial bank profitability,safety,liquidity and growth.The comprehensive scores of commercial bank competitiveness are obtained,and three regression models,score model,ROA model,and LR model,are constructed to analyze the impact of green credit on commercial bank competitiveness.The research shows that an increase in the green credit ratio has a slight impact on the competitiveness of commercial banks in the short term,while in the long run,increasing green credit is beneficial for enhancing the competitiveness of commercial banks;by increasing the ratio of green credit issuance,the liquidity of funds will increase.Therefore,developing green finance has become a powerful weapon for commercial banks to enhance their competitiveness.

关 键 词：绿色信贷 商业银行 竞争力 

分 类 号：F832[经济管理—金融学]