金融学院知识库

   中国伴随经济实力的提高与经济形势的发展，在这种情况下，环境保护与生态问题与日俱增。大众的认知由之前的消耗资源型逐渐发生了转变，清澈的水、新鲜的空气、健康的食品等慢慢的从“奢侈品”变化为“必备品”，公众逐渐的更加需要经济可持续健康发展。中国全面可持续发展的铺垫已经变成绿色，我国可持续发展的工具也有绿色金融的一席之地。中国想要实现经济发展且健康持续的话，绿色金融需要发挥很大的作用。商业银行是中国金融行业发展的关键，毫无疑问的是中国经济健康发展的支柱。但是，我国的绿色信贷业务处在初步阶段，经营与管理者缺乏对应的经验，宏观管理与督察系统依然不是很健全，外加绿色信贷业务自身的复杂性，经营生产过程中有很多非确定因素，在这种情况下，为了实现政策性任务，商业银行提供给绿色金融充足的资源，商业银行是我国金融系统的关键部分，在我国绿色金融系统和社会资源方面发挥了非常重要的功能。

     学术界的专家们在绿色信贷带来的商业银行的风险方面的结论仍没有达成一致，本文通过选取上市商业银行的年度数据为参考对象，重点考察绿色信贷对上市商业银行风险承担的作用效果，并进一步通过风险收益的视角分析上市商业银行绿色信贷对银行风险承担的影响。在绿色信贷对商业银行影响的方面，绿色信贷包括了政策导向型与盈利型这两个特点，绿色信贷在提升商业银行的营业效用且加大商业银行的与同业的竞争力方面，对商业银行能否具有持久的动力去展开相关业务，从而在一定程度上决定了绿色信贷是否能够得到长久的发展。本文通过实证分析，讨论商业银行如何在支持绿色发展与风险防控中做出抉择。

           With the improvement of China's economic strength and the development of the economic situation, environmental protection and ecological problems are increasing day by day. The public's cognition has gradually changed from the previous resource-consuming type. Clear water, fresh air, healthy food, etc. have gradually changed from "luxury products" to "must-haves", and ordinary people gradually need more Sustainable and healthy economic development. The foundation of China's comprehensive sustainable development has become green, and the tool for my country's sustainable development also has a place in green finance. If China wants to achieve healthy and sustainable economic development, green finance needs to play a big role. Commercial banks are the key to the development of China's financial industry, and are undoubtedly the backbone of China's healthy economic development. However, my country's green credit business is in the initial stage, and the management and managers lack corresponding experience. The macro management and supervision system is still not very sound. In addition to the complexity of the green credit business itself, there are many uncertain factors in the operation and production process. Under this circumstance, in order to achieve policy tasks, commercial banks provide green finance with sufficient resources. Commercial banks are a key part of China's financial system and play a very important role in forming my country's green financial system and social resources. With the gradual development of green finance, scholars have begun to pay attention to the impact of green credit on the risks of commercial banks, and have achieved some results.

            Experts in academia have not reached a consensus on the risk of commercial banks brought by green credit. This paper selects the annual data of listed commercial banks as the reference object, and focuses on the effect of green credit on the risk-taking of listed commercial banks. And further analyze the impact of listed commercial banks' green credit on banks' risk-taking from the perspective of risk-return. In terms of the impact of green credit on commercial banks, green credit includes two characteristics: policy-oriented and profitable. In terms of improving the operating utility of commercial banks and increasing their competitiveness with their peers, green credit is very important to commercial banks. Whether there is a lasting motivation to develop related businesses determines to a certain extent whether green credit can achieve long-term development. Through empirical analysis, this paper discusses how commercial banks make choices in supporting green development and risk prevention and control.