| 绿色信贷是否会影响商业银行风险承担？——基于社会责任与绿色声誉渠道 |
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| 引用本文：顾海峰，史欠欠.绿色信贷是否会影响商业银行风险承担？——基于社会责任与绿色声誉渠道[J].财经理论与实践,2023,(1):2-10 |
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| 中文摘要:选取2007—2021年中国30家商业银行年度数据就绿色信贷对银行风险承担的影响及其作用机制进行实证分析。研究发现：绿色信贷对银行风险承担具有抑制作用。相对于国有银行，绿色信贷对非国有银行风险承担的抑制力度更大。绿色信贷主要通过提高银行社会责任履行度及绿色声誉渠道来抑制银行风险承担，“绿色信贷—社会责任/绿色声誉—银行风险承担”的传导渠道均有效。货币政策对绿色信贷与银行风险承担关系具有正向调节作用，宽松货币政策会加剧绿色信贷对银行风险承担的抑制作用。银行业竞争对两者关系具有负向调节作用，银行业竞争加剧会减弱绿色信贷对银行风险承担的抑制作用。 |
| 中文关键词:绿色信贷 银行风险承担 社会责任 绿色声誉 货币政策 |
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| Does Green Credit Affect Commercial Bank Risk-Taking？--Based on Social Responsibility and Green Reputation |
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| Abstract:This paper empirically analyzes the impact of green credit on banks’ risk-taking and its mechanism by selecting the annual data of 30 commercial banks in China from 2007 to 2021. The research shows that: Green credit has an inhibitory effect on banks’ risk-taking. Compared with state-owned banks, green credit has a greater restraint on non-state-owned banks’ risk-taking. Green credit mainly suppresses bank risk-taking by improving banks’ social responsibility fulfillment and green reputation channels. “Green credit-social responsibility/green reputation - bank risk-taking” transmission channels are both effective. Monetary policy has a positive regulating effect on the relationship between green credit and bank risk-taking, and loose monetary policy will exacerbate the inhibitory effect of green credit on bank risk-taking. Competition in the banking industry has a negative regulatory effect on the relationship between green credit and bank risk-taking, and increased competition in the banking industry will weaken the inhibitory effect of green credit on bank risk-taking. |
| keywords:green credit bank risk-taking social responsibility green reputation monetary policy |
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