摘要
基于2010—2017年中国19家上市商业银行的数据,采用固定效应模型实证考察了绿色信贷对商业银行资产质量的作用效果。结果表明:短期内绿色信贷对资产质量有负向影响,长期中该负向影响逐渐减小。进一步研究发现,绿色信贷对不同类型银行资产质量的影响存在异质性,更倾向于改善国有大行而降低股份制商行和城商行的资产质量,且城商行降低的程度最大。基于上述结论,政府在绿色信贷政策制定中应针对不同类型银行有所差别,各银行要根据自身的绿色信贷政策实施效果制定其特定的发展战略。
based on the data of 19 listed commercial banks in China from 2010 to 2017,this paper empirically investigates the effect of Green Credit on asset quality of commercial banks.The results show that green credit has a negative effect on asset quality in the short term,but decreases in the long term.Further research shows that the impact of green credit on the asset quality of different types of banks is heterogeneous and tends to improve the asset quality of state-owned large banks while reducing the asset quality of joint-stock firms and city firms And the city Commercial Bank asset quality decline degree is higher.Based on the above conclusions,the government should aim at different types of banks in making green credit policy,and each bank should make its specific development strategy according to its own green credit policy implementation effect.
出处
《金融发展评论》
2019年第7期63-75,共13页
Financial Development Review
