绿色信贷对城市商业银行竞争力的影响研究  

Green Credit Research Effects on the Competitiveness of City Commercial Banks

作　　者：谢辰 杨有柏[1] Xie Chen;Yang Youbai(School of Economics and Management,Qinghai University for Nationalities,Xining 810007,China)

机构地区：[1]青海民族大学经济与管理学院,青海西宁810007

出　　处：《科技创业月刊》2024年第12期174-180,共7页Journal of Entrepreneurship in Science & Technology

基　　金：青海民族大学研究生创新项目“绿色信贷对城市商业银行竞争力的影响研究”(65M2024085)。

摘　　要：随着全球对环境危机的日益关注,各个国家和地区的银行机构开始重视绿色信贷这一领域,纷纷投身于绿色信贷业务,并且取得了一定成效。探索激发我国商业银行发展绿色信贷的内在动力,完善金融创新机制,提升其核心竞争能力,是实现我国经济绿色转型和可持续发展的关键。当前,实施绿色信贷的落实主体在地方,因此各个城市的城市商业银行显得尤为重要。选取2010-2022年中国29家城市商业银行,通过因子分析法构建竞争力评价体系,同时通过双重差分模型研究绿色信贷对城市商业银行竞争力的影响。此外,为了揭示其中的机理,加入中介效应模型进行相应的实证分析。研究发现,绿色信贷不仅对城市商业银行的竞争力有正向影响,还能通过控制风险来提高城市商业银行的竞争力。基于以上结论,从银行和国家的角度对实施绿色信贷提出了政策建议。With the increasing concern of the global environmental crisis,banking institutions in various countries and regions began to pay attention to the field of green credit,and have devoted themselves to green credit business,and achieved certain results.It is the key to realize the green transformation and sustainable development of China’s economy to explore the inner driving force that inspires China’s commercial banks to develop green credit,improve financial innovation mechanism and enhance their core competitive ability.At present,the focus of the implementation of green credit is to implement the local,so the city commercial banks in various provinces and cities are particularly important.This paper selects 29 urban commercial banks in China from 2010 to 2022,constructs a competitiveness evaluation system through factor analysis,and studies the impact of green credit on the competitiveness of urban commercial banks through the differencd-difference model.At the same time,in order to reveal the mechanism,the intermediate effect model is added to carry out the corresponding empirical analysis.It is found that green credit not only has a positive impact on the competitiveness of urban commercial banks,but also can improve the competitiveness of urban commercial banks by controlling risks.Based on the above conclusions,some policy suggestions are provided for the implementation of green credit from the perspective of banks and countries.

关 键 词：绿色信贷 双重差分 商业银行竞争力 

分 类 号：F830.33[经济管理—金融学]