摘要
在经济绿色转型的背景下,发展绿色信贷对商业银行风险管理具有重要意义。本文选取2007-2021年28家上市商业银行的相关数据,检验绿色信贷对商业银行风险承担的影响,在此基础上讨论绿色信贷对商业银行风险承担的差异性。研究发现:开展绿色信贷能显著降低商业银行风险承担,在资产质量较差、净利润较高以及规模较大的全国性商业银行中开展效果更为显著。由此表明:在经济转型和产能过剩的背景下,积极发展绿色信贷业务、加强环境风险管理对商业银行发展具有重要现实意义。
In the context of economic green transformation,the development of green credit is of great significance to the risk management of commercial banks.This paper selects the relevant data of 28 listed commercial banks from 2007 to 2021 to test the impact of green credit on commercial bank risk-taking.On this basis,the paper discusses the difference of green credit's risk bearing to commercial banks.The research found that the development of green credit can significantly reduce the risk-taking of commercial banks,and the effect is more significant in national commercial banks with poor asset quality,high net profit,and large scale.This shows that under the background of economic transformation and overcapacity,it is of great practical significance to actively develop green credit businesses and strengthen environmental risk management for the development of commercial banks.
出处
《价格理论与实践》
北大核心
2023年第4期166-169,210,共5页
Price:Theory & Practice
