绿色信贷对我国商业银行盈利能力的影响研究

LZUFE-KMS > 金融学院

作者	栾雅楠
姓名汉语拼音	Luan Yanan
学号	2020000005030
培养单位	兰州财经大学
电话	17394330229
电子邮件	1351622581@qq.com
入学年份	2020-9
学位类别	专业硕士
培养级别	硕士研究生
一级学科名称	金融
学科代码	0251
授予学位	金融硕士
第一导师姓名	马润平
第一导师姓名汉语拼音	Ma Runping
第一导师单位	兰州财经大学
第一导师职称	教授
题名	绿色信贷对我国商业银行盈利能力的影响研究
英文题名	Research on the Impact of Green Credit on the Profitability of Commercial Banks in China
关键词	绿色信贷商业银行盈利能力
外文关键词	Green credit；Commercial bank；Profitability
摘要	摘要过去我国的经济发展理念是先发展后治理，这种粗放式的发展模式对我国的自然环境造成了十分严重的破坏，如环境污染严重、气候变化恶劣……近年来我国意识到环境保护对经济的发展越来越重要，为了保护生态环境和促进绿色经济的发展，中国已将绿色金融政策提升到国家战略的高度。在政府的推动下，我国先后颁布与绿色金融有关的法律法规，给予银行等金融机构政策建议，大力扶持环保企业的发展，限制资金流向 “两高一剩”企业。商业银行实施绿色信贷时，其经济效益可以影响银行要不要更积极的推进该业务。因此，本文将研究绿色信贷和商业银行的盈利能力之间有什么联系。本文包括五章。第一章和第二章为本文提供了理论基础，在对绿色金融的文献进行梳理之后，重点对绿色信贷的相关定义进行说明，对绿色金融理论进行简要描述，详细介绍绿色信贷能够影响商业银行盈利能力的因素和机制。在此基础上第三章从绿色信贷政策、资金的投资方向和信贷产品等方面阐述了我国绿色信贷的现状并分析存在问题。实证方面，选取以18家银行2010-2021年的相关数据为样本，采用实证建模的方法，对我国绿色信贷发展和银行盈利进行分析检验。分析发现，实行绿色信贷对商业银行的盈利性具有负面影响，在进一步的稳健性检验和异质性检验中也验证了这一结论。最后，根据对绿色信贷的现状和实证结论，提出针对商业银行、政府和企业层面的应对措施，多角度促进绿色信贷业务的有效发展。关键词：绿色信贷盈利能力商业银行
英文摘要	Abstract In the past, China's economic development philosophy was to develop first and then govern, and this crude development model has caused very serious damage to China's natural environment, such as serious environmental pollution and harsh climate change ...... In recent years, China has realized that environmental protection is increasingly important for economic development, and in order to protect the ecological environment and promote the development of a green economy In order to protect the ecological environment and promote the development of green economy, China has elevated the green finance policy to the height of national strategy. Under the government's promotion, China has promulgated laws and regulations related to green finance, given policy advice to banks and other financial institutions, vigorously supported the development of environmental protection enterprises, and restricted the flow of funds to the "two high and one leftover" enterprises. When commercial banks implement green credit, its economic benefits can influence whether banks want to promote the business more actively. Therefore, this paper will investigate what is the link between green credit and commercial banks' profitability. This paper consists of five chapters. Chapters 1 and 2 provide the theoretical foundation for this paper, focusing on the definition of green credit after a review of the literature on green finance, a brief description of green finance theory, and a detailed description of the factors and mechanisms by which green credit can affect the profitability of commercial banks. On this basis, the third chapter elaborates the current situation of green credit in China and analyzes the problems from the aspects of green credit policy, investment direction of funds and credit products. In terms of empirical evidence, the data of 18 banks from 2010 to 2021 are selected as samples, and empirical modeling is used to analyze and test the development of green credit and bank profitability in China. The analysis finds that the implementation of green credit has a negative impact on the profitability of commercial banks, which is also verified in further robustness tests and heterogeneity tests. Finally, based on the current situation and empirical findings on green credit, countermeasures are proposed for commercial banks, government and enterprise levels to promote the effective development of green credit business from multiple perspectives. Keywords：Green credit；Commercial bank；Profitability
学位类型	硕士
答辩日期	2023-06-03
学位授予地点	甘肃省兰州市
研究方向	商业银行经营与管理
语种	中文
论文总页数	71
参考文献总数	63
馆藏号	0005093
保密级别	公开
中图分类号	F83/518
文献类型	学位论文
条目标识符	http://ir.lzufe.edu.cn/handle/39EH0E1M/33842
专题	金融学院
推荐引用方式 GB/T 7714	栾雅楠. 绿色信贷对我国商业银行盈利能力的影响研究[D]. 甘肃省兰州市. 兰州财经大学,2023.

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