摘要
绿色信贷是绿色金融的核心,是推动绿色金融和生态经济发展的重要手段。绿色信贷通过资金信号传递及导向机制向生态产业聚集,借助金融杠杆作用助推绿色产业的持续发展。本文利用DEA模型得出商业银行的效率值,采用面板数据随机效应模型分析绿色信贷对商业银行绩效的影响。研究表明:绿色信贷与商业银行经营绩效之间呈正相关关系,绿色信贷业务不仅推动了商业银行自身经营绩效的提升,其信贷结构也在逐步优化;商业银行的金融资源配置水平、内部管理能力有助于商业银行降低经营成本,提高经营绩效。商业银行应进一步拓展其规模效益,通过绿色声誉培育其竞争优势,实现可持续发展。
Green credit is the core of the green finance and an important means to promote the development of green finance and ecological economy.Green credit gathers in the ecological industry through the signal transmission and guidance mechanism of funds,and uses financial leverage to promote the sustainab le growth of the green industry.In this paper,the DEA model is used to obtain the efficiency value of commercial banks,and the panel data random effects model is used to analyze the impact of green credit on the performance of commercial banks.Research shows that there is a positive correlation between green credit and commercial banks’operating performance.Green credit business not only promotes the improvement of commercial banks’own operating performance,but also gradually optimizes their credit structure.Commercial banks’financial resource allocation levels and internal management capabilities are Help commercial banks reduce operating costs and improve operating performance.Commercial banks should further expand their economies of scale,cultivate their competitive advantages through green reputation,and achieve sustainable development.
出处
《价格理论与实践》
北大核心
2021年第6期115-118,共4页
Price:Theory & Practice
关键词
绿色信贷
绿色金融
生态文明
商业银行
DEA模型
green credit
green finance
ecological civilization
commercial bank
DEA model
