银行数字化转型对绿色信贷的影响及机制分析

IF 6.9 2区 经济学 Q1 BUSINESS, FINANCE
GuanJie Zhang , Fei Song , Xi Liu
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引用次数: 0

摘要

本文利用2010 - 2023年中国41家上市银行的面板数据,探讨了银行数字化转型对绿色信贷的影响及其潜在机制。研究发现,通过在战略、业务和管理维度上应用数字技术,银行数字化转型显著提高了绿色信贷配置。该机制通过双重途径运行:缓解信息不对称,提高绿色项目识别能力;降低运营成本,提高效率。该研究为金融科技驱动的绿色金融提供了微观层面的证据,建议银行应加快全面数字化转型,监管机构应完善绿色信息标准和数字基础设施,政策制定者应通过差异化激励进一步释放转型潜力。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The impact and mechanism analysis of bank digital transformation on green credit
This paper explores the impact of bank digital transformation on green credit and its underlying mechanisms using panel data from 41 listed banks in China from 2010 to 2023. The study finds that bank digital transformation significantly enhances green credit allocation through the application of digital technologies across strategic, business, and managerial dimensions. The mechanism operates through dual pathways: alleviating information asymmetry to improve green project identification capabilities and reducing operational costs to enhance efficiency. The research provides micro-level evidence for fintech-enabled green finance, suggesting that banks should accelerate comprehensive digital transformation, regulators should refine green information standards and digital infrastructure, and policymakers should further unlock transformation potential through differentiated incentives.
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来源期刊
Finance Research Letters
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
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