绿色信贷、银行竞争力和银行风险承担

IF 5.6 2区经济学 Q1 BUSINESS, FINANCE

International Review of Economics & Finance Pub Date : 2025-07-25 DOI:10.1016/j.iref.2025.104481

Meixuan Wu

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引用次数: 0

摘要

随着人们环保意识的逐步提高，政府和社会各团体也开始意识到绿色信贷的重要性。绿色信贷是绿色金融的重要工具，是商业银行参与环境治理的桥梁，提升核心竞争力是商业银行开展绿色信贷业务的内在动力。本文以22家商业银行为研究样本，选取2009 - 2023年的数据，构建商业银行竞争力得分，探讨绿色信贷与商业银行竞争力的关系，并运用中介效应模型检验风险承担在其中的作用。研究发现，绿色信贷能够显著提升商业银行的核心竞争力，风险承担指标具有显著的中介作用。因此，发展绿色信贷已成为商业银行增强竞争力的有力武器。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Green credit, bank competitiveness and bank risk-taking

With the gradual improvement of people's environmental awareness, the government and various social groups have begun to realize the importance of green credit. Green credit is an important tool of green finance and a bridge to introduce commercial banks into environmental control, while enhancing core competitiveness is the intrinsic motivation for commercial banks to carry out green credit business. The article takes 22 commercial banks as research samples, selects data from 2009 to 2023, constructs commercial bank competitiveness scores, explores the relationship between green credit and commercial bank competitiveness, and applies the mediation effect model to test the role of risk-taking in it. It is found that green credit can significantly enhance the core competitiveness of commercial banks, and the risk-taking indicator produces a significant mediating effect. Therefore, the development of green credit has become a powerful weapon for commercial banks to enhance their competitiveness.

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来源期刊

International Review of Economics & Finance Multiple-

CiteScore

7.30

自引率

2.20%

发文量

253

期刊介绍： The International Review of Economics & Finance (IREF) is a scholarly journal devoted to the publication of high quality theoretical and empirical articles in all areas of international economics, macroeconomics and financial economics. Contributions that facilitate the communications between the real and the financial sectors of the economy are of particular interest.