金融学院知识库

从2015年至今的年度热词中，都出现了“绿色发展”的字眼，说明我国对于环境保护和经济发展的重视程度日益趋同。从政策方面来看，政府相关机构近年来积极倡导对环境友好型企业进行大力帮扶，同时对“高耗能、高污染、以及产能过剩的企业提高准入门槛，加强监管措施。各个商业银行也积极开展排查贷款企业的环保性，对于后续贷款担保也更加严苛，并大力宣传绿色金融的政策理念。不难看出，银行肩负着不可推卸的社会责任，并且其作为社会经济发展的枢纽，有义务协助国家进行宏观经济政策实施，通过发展绿色经济寻求利润点。因此，我国应开始逐步实施建设绿色银行，通过提高绿色金融服务理念并结合自身特点，增强自身竞争能力，为我国绿色经济的发展保驾护航。
基于此，本文尝试建立一套在绿色金融背景下商业银行竞争力测度方法。首先，查阅并梳理关于绿色金融和商业银行竞争力方面的国内外研究现状及其相关理论基础，得出了自己的见解。与此同时，分析了绿色金融对商业银行竞争力的影响机制，并总结了在绿色金融的背景下我国现有商业银行竞争力评价体系存在的问题，充分体现了建立新体系的必要性。其次，针对上述问题，尝试着去建立一套绿色金融背景下商业银行竞争力评价体系，文章选取了16家商业银行作为样本银行，搜集了2015-2019年的多指标面板数据，借助SPSS软件进行分层因子分析，得出了商业银行在绿色金融背景下竞争力的综合排名，结果表明：通过运用此测度方法得出的商业银行排名，与权威评估机构发布的排名基本一致，间接证明本文测度方法具有一定的合理性和可行性。最后，对得出的结论进行了分析，并介绍了新体系施行下的保障措施，确保体系可以顺利实施。
本文的主要贡献在于建立了一套绿色金融背景下商业银行评价体系，创新之处其一，考虑了环境因素后将绿色金融相关指标融入到其竞争力评价体系中去，为推动环境友好型社会做出贡献；其二，对多指标面板数据采用了结合时间序列分层因子分析法，实现了面板数据中各样本在指标维度和时间维度的双重细化，解决了现有方法在此问题中的局限与不足。该方法有效地提升了银行竞争力评价的客观合理性，为完善银行业竞争力评价体系做出贡献。

Looking through the hot words list in 2015 till now, “the green development” appears on it all the time, which demonstrated that China’s environmental development protection and economic development has reached the same level. From the government perspective, they actively advocating the corporates which are nice to environment in recent years, and the enterprises with high energy consumption and high pollution are strictly prohibited at the same time. What’s more above all is that all commercial banks in China carried out the investigation on environmental protection of loaned enterprises. It shows the commercial banks must take social responsibilities as the hub of China’s economic development, and seeking for new profit point. Therefore, the green bank should be built immediately based on the theory of green development combined with its characteristics, protecting China’s green finance development as the convoy.

Based on the above, the article tried to establish a set of competitiveness measurement method of commercial banks in the context of green finance. First of all, through the way of building the theoretical foundations through reading and organizing historical literatures, the article is trying to dig out the problem from competitiveness assessment system and find the reason behind it on the background of green finance. Secondly, the article attempted to establish a series system on competitiveness evaluation on commercial banks in supporting of green finance theory. The model selected 16commercial banks as samples, and collected multi-indicator panel data from 2015-2019, then running stratified factor analysis with the help of SPSS to find out the rank of commercial banks under the green finance background. The conclusion obtained from above approaches is largely same with the rank given by authorities, which also prove the feasibility and rationality of the self-build model.

The achievement of the article is to building the commercial bank’s competitiveness assessment system under green finance background. One innovation is considering the environmental factors into the model building, which contributes to the environment friendly society. The other is secondly, to adopt a combined time-series hierarchical factor analysis method for multi-indicator panel data, which realizes a double refinement of each sample in the indicator dimension and time dimension in the panel data. Secondly, we use a combined time-series hierarchical factor analysis method for multi-indicator panel data to achieve the dual refinement of the indicator dimension and time dimension of each sample in the panel data, which solves the limitations and shortcomings of the current algorithm in this problem. This method effectively improves the objectivity and rationality of banks' competitiveness evaluation and contributes to the improvement of the banking industry competitiveness evaluation system.