金融科技、商业银行信用风险与绿色信贷  

Financial Technology,Credit Risk of Commercial Banks and Green Credit

作　　者：文学舟 范歆婷 俞园园 WEN Xuezhou;FAN Xinting;YU yuanyuan(School of Business,Jiangnan University,Wuxi 214122,China)

机构地区：[1]江南大学商学院,江苏无锡214122

出　　处：《工程管理科技前沿》2024年第6期68-74,共7页Frontiers of Science and Technology of Engineering Management

基　　金：国家社会科学基金资助项目(22BGL065)。

摘　　要：大数据、云计算等金融科技的快速发展,缓解了银行贷款发放中的银企间信息不对称问题,影响着银行的绿色信贷行为。本文基于2010—2021年我国36家上市银行的面板数据,探讨金融科技发展对商业银行绿色信贷业务的影响。研究发现:首先,金融科技的发展显著促进了绿色信贷业务规模的扩大;其次,机制检验表明,金融科技的发展能够通过降低商业银行信用风险水平从而提高银行开展绿色信贷业务的意愿与能力;再次,当金融监管政策越强、银行社会责任水平越高、银行规模越大时,金融科技对绿色信贷的促进作用更加明显;最后,金融科技在商业银行业务层面和管理层面的应用对其绿色信贷业务的促进作用较为显著,而战略层面金融科技的促进作用在短期内并不明显。研究丰富了金融科技影响商业银行绿色信贷的作用机制,为促进绿色信贷增量提质和我国绿色经济发展提供了实证依据。The rapid development of financial technology(fintech)such as big data and cloud computing,has alleviated the information asymmetry between banks and enterprises in bank loans to a certain extent,and has affected the green credit behavior of banks.Based on the panel data of 36 listed banks in China from 2010 to 2021,this paper explores the impact of fintech development level of commercial banks on their green credit business.The findings are as follows:First,fintech development of commercial banks has significantly promoted the expansion of green credit scale.Second,the mechanism test shows that fintech development can improve the willingness and ability of banks to carry out green credit business by reducing the credit risk.Third,the heterogeneity analysis results show that when the financial regulatory policy is stronger,the bank’s social responsibility level is higher,and the bank’s scale is larger,fintech of commercial banks can better promote the development of green credit business.Last,the applications of fintech in the business and management of commercial banks have significant role in promoting green credit in commercial banks,while in terms of strategy,the above effect is not obvious in the short term.The study enriches the mechanism of fintech influences green credit offerings of commercial banks,provides an empirical basis for promoting the incremental improvement of green credit and the development of China’s green economy.

关 键 词：金融科技 绿色信贷 商业银行 信用风险 

分 类 号：F832[经济管理—金融学] X196[环境科学与工程—环境科学]