绿色信贷对商业银行经营绩效的影响——基于金融创新路径

The Impact of Green Credit on Commercial Banks’ Operating Performance—Based on the Path of Financial Innovation

摘要: 随着绿色金融体系的深化，绿色信贷对商业银行的影响成为研究焦点。本文旨在探究绿色信贷的开展对商业银行经营绩效产生的具体影响，并着重分析金融创新在其中扮演的路径角色。借鉴已有研究对经营绩效的综合分析方法，本文将经营绩效作为核心被解释变量，通过构建绿色信贷规模、金融创新水平与银行经营绩效指标(安全性、流动性、盈利性)之间的理论模型，提出研究假设。计划选取我国主要商业银行的面板数据，运用固定效应模型、主成分分析法等方法进行实证检验。预期研究将揭示绿色信贷与银行经营绩效之间可能存在的关系，并验证金融创新在其中起到的中介作用。研究成果可为商业银行在绿色转型中平衡信贷结构与经营绩效、借助金融创新优化流动性管理提供理论依据与政策参考。

Abstract: With the deepening of the green financial system, the impact of green credit on commercial banks has become a research focus. This paper aims to investigate the specific impact of green credit implementation on the operating performance of commercial banks, with an emphasis on analyzing the path role played by financial innovation. Drawing on existing research regarding the comprehensive analysis method of operating performance, this paper treats operating performance as the core explained variable. By constructing a theoretical model among the scale of green credit, the level of financial innovation, and commercial bank performance indicators (safety, liquidity, and profitability), research hypotheses are proposed. This study plans to select panel data from major commercial banks in China and conduct empirical tests using methods such as the fixed-effects model and principal component analysis. It is expected that the research will reveal the possible relationship between green credit and bank operating performance, and verify the mediating role played by financial innovation. The research findings can provide a theoretical basis and policy references for commercial banks to balance credit structure and operating performance in the process of green transformation, and optimize liquidity management with the help of financial innovation.