绿色信贷对商业银行经营风险的影响效应研究

Research on the Impact of Green Credit on the Operational Risk of Commercial Banks

摘要: 绿色金融作为推动社会可持续发展的重要工具，受到了社会的广泛关注。商业银行作为金融体系的核心，其绿色信贷业务的开展对银行自身经营风险具有深远影响。本文旨在探讨绿色信贷对商业银行经营风险的影响效应，通过构建理论模型和实证分析，揭示绿色信贷对商业银行经营风险影响潜在机制。研究结果表明，商业银行实施绿色信贷政策可以降低银行的经营风险，在此基础上，不同地区与不同股权性质的银行执行绿色信贷政策的效果具有异质性。

Abstract: Green finance, as an important tool for promoting sustainable social development, has received widespread attention from society. As the core of the financial system, the development of green credit business by commercial banks has a profound impact on their own operational risks. This article aims to explore the impact of green credit on the operational risk of commercial banks. By constructing a theoretical model and empirical analysis, it reveals the potential mechanism of the impact of green credit on the operational risk of commercial banks. The research results indicate that the implementation of green credit policies by commercial banks can reduce their operational risks. On this basis, the effectiveness of green credit policies implemented by banks with different regions and equity types varies.