我国五大商业银行绿色信贷对盈利能力的影响研究

我国五大商业银行绿色信贷对盈利能力的影响研究摘要自改革开放以来，我国综合国力明显增强，我国的经济、政治、文化三方面同步发展，取得了一系列的成就。然而过去几十年间，粗放式高污染的经济发展模式使得我国在环境保护和环境治理方面面临着较大的压力。因此，近几年来国家对该问题高度重视，在“十四五”规划中国家再一次明确指出，商业银行等金融机构要重视“2030碳达峰、2060碳中和”这一目标，继续拓展绿色金融业务，研发更多新的绿色产品，积极引导社会资金向节能产业、环保产业等绿色产业流动。而国有商业银行作为我国的核心金融机构，在可持续发展过程中肩负着重要的社会责任，商业银行能够优化资金的配置，将资金流向绿色环保的产业。因此，绿色信贷业务已逐渐成为我国商业银行一个重要的信贷业务，环境因素开始被纳入其审核及评估的范围内。在此背景下，绿色信贷业务对商业银行盈利能力的影响关乎其落实绿色信贷政策的积极性，因此有必要围绕绿色信贷业务对银行盈利能力的影响展开研究。本文首先梳理和归纳了国内外学者的相关文献及研究成果，并对绿色信贷四大基础理论进行论述，其次，分析了我国绿色信贷业务开展以来的现状和存在的问题以及相关问题的原因，分析表明我国绿色信贷业务规模逐年增加，但该业务其比重仍然非常低，而且在监管层面、信息沟通、激励措施方面仍存在较多问题。再次，选取了我国五家具有代表性的国有商业银行2007-2020年的绿色信贷相关数据，并使用STATA15.0进行多元回归分析。实证结果显示，绿色信贷比和我国五大商业银行的盈利能呈正相关，目前绿色信贷业务给我国五大行带来的盈利增幅较低。最后，分别从政府层面和商业银行层面提出推进绿色信贷发展的对策建议。关键词：五大商业银行、绿色信贷业务、盈利能力Research on the impact of green credit on profitability of Fivecommercial banks in ChinaAbstractSince the reform and opening up,China's comprehensive national strength has increasedsignificantly,China's economy,politics and culture have developed simultaneously,and aseries of achievements have been made.However,in the past few decades,the extensive andhigh-pollution economic development model has made China face great pressure inenvironmental protection and environmental governance.Therefore,in recent years,the stateattaches great importance to the problem,in"difference"planning state once again made clearthat the commercial Banks and other financial institutions should pay attention to "carbon upto the peak of 2030 and 2060 carbon neutral"this goal,continue to expand the green financialbusiness,research and development more new green products,actively guide social capital tothe green industry,such as energy saving,environmental protection industry.As China's corefinancial institutions,state-owned commercial banks shoulder important socialresponsibilities in the process of sustainable development.Commercial banks can optimizethe allocation of funds and flow funds to green industries.Therefore,green credit business hasgradually become an important credit business of China's commercial banks,andenvironmental factors have begun to be included in the scope of their audit and evaluation.Inthis context,the impact of green credit business on the profitability of commercial banks isrelated to their enthusiasm in implementing green credit policies,so it is necessary to studythe impact of green credit business on the profitability of banks.This paper firstly combed and summarized the relevant literature and research results ofscholars both at home and abroad,and the green credit,the essay discusses four basic theory,secondly,has analyzed our country green credit business since the present situation and theexisting problems and related problems,analysis shows that China's green credit businessscale increases year by year,but the proportion of the business is still very low,Moreover,there are still many problems in supervision,information communication and incentivemeasures.Thirdly,the green credit data of five representative state-owned c