Green credit, monetary policy, and bank risk-taking

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2025-03-24 DOI:10.1016/j.frl.2025.107289

Fei Huang , Huiming Zhu , Saijun Wu

引用次数: 0

Abstract

This study examines the impact of green credit on the risk-taking behavior of commercial banks, utilizing panel data from 77 banks with diverse ownership structures over the period from 2012 to 2022. The findings indicate that green credit helps mitigate the level of risk undertaken by banks. Moreover, a loose monetary policy fosters the expansion of green credit businesses, exerting a positive moderating effect on bank risk-taking, whereas a tight monetary policy has a negative moderating effect. Additionally, green credit influences bank risk-taking through a profitability effect, significantly boosting commercial banks’ interest income and enhancing their profit structure.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance