我国商业银行绿色信贷经营风险的影响研究——基于绿色声誉机制

Research on the Influence of Green Credit Operation Risk of Commercial Banks in China—Based on the Green Reputation Mechanism

摘要: 第六次金融工作会议中提出做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章。绿色信贷作为绿色金融实践的主要手段，商业银行在绿色信贷的发展过程中也起到至关重要的作用，但也不可避免受到绿色信贷的影响。本文采用固定效应模型选取25家银行2012~2023年的数据进行实证分析，发现商业银行绿色信贷发展程度越高，商业银行风险水平越低。从作用机制上，绿色信贷可以通过增加银行绿色声誉形成勇于承担社会责任的正面形象，从而降低银行的风险。进一步分析来看，绿色信贷抑制银行风险的作用在不同类别银行上的显著性有所不同，在股份制银行的效果最为明显，国有银行和城市商业银行的影响效果较弱。

Abstract: In the sixth Financial Work Conference, five major articles were proposed on science and technology finance, green finance, inclusive finance, pension finance and digital finance. As the main means of green finance practice, commercial banks also play a vital role in the development of green credit, but they are inevitably affected by green credit. In this paper, the data from 25 banks from 2012~2023 were selected for empirical analysis, and we found that there is a negative correlation between green credit and the risks of commercial banks. The higher the proportion of green credit business, the lower the risk level of commercial banks. From the mechanism of action, green credit can form a positive image of bravely taking on social responsibilities by increasing the green reputation of banks, thus reducing the risks of banks. Further analysis shows that the effect of green credit in suppressing bank risks gradually decreases in different types of banks, with the most obvious effect in joint-stock banks, while the effect of state-owned banks and urban commercial banks is weak.