绿色信贷对我国商业银行盈利能力影响的研究
发布时间：2018-09-07 20:44
【摘要】：经济的粗放式发展为社会迅速积累了大量的物质财富,在物质匮乏时期这种发展方式势在必行也最为有效,为我国经济发展做出巨大贡献。但是这种高能耗、高排放、高污染的发展方式对生态系统与自然环境造成了无法修复的创伤。随着社会物质财富的不断积累,人民生活水平不断提高,生活环境成为人们更为关心的问题。大规模雾霾天气的频发,极端天气的频现,让人们更加渴望洁净的空气,优美的环境。所以低能耗、低排放、低污染的绿色经济成为我国发展的必然方向和趋势。其次,作为经济发展中的核心、对资金具有支配作用的银行业,现在面临诸多困境:资本市场抢夺银行的流动资金,息差盈利失去发展空间,传统的盈利方式明显乏力,再加上银行坏账居高不下,人们已然普遍认识到银行业目前面临的困境,由此亟待寻求新的发展模式与利润增长点。基于以上原因商业银行绿色信贷业务应运而生,绿色信贷是商业银行在“赤道原则”的基础上发展而来。赤道原则是金融领域在环境保护方面所应承担的企业责任和社会责任认识的基础上达成的共同准则。现在绿色信贷已经成为商业银行和政府倡导的发展方向。绿色信贷对于环境保护的作用显而易见,但是对于商业银行的盈利能力产生的影响并不清晰明了,商业银行较为关心的就是绿色信贷是否能够为其带来收益。本文以绿色信贷对商业银行的盈利能力为研究对象,首先阐述了绿色信贷的基本原理和商业银行有关绿色信贷在实际运行中的基本理论,然后对我国商业银行绿色信贷的发展情况进行介绍,选取对商业银行盈利能力产生影响的因素,搜寻数据并运用面板回归模型进行实证分析,得出绿色信贷对商业银行盈利能力的具体影响。最后,把我国商业银行绿色信贷发展的实际情况和存在的问题与实证分析的结果相结合分析,找出问题的关键,针对商业银行的盈利能力与绿色信贷的发展提出可行性建议。以期绿色信贷在保护环境的同时为商业银行提供新的、可持续的利润增长点,从而推动我国绿色经济发展,为我国生态文明建设做出贡献。
[Abstract]:The extensive development of economy has rapidly accumulated a large amount of material wealth for the society. It is imperative and most effective in the period of material scarcity to make great contributions to the economic development of our country. But this energy-consuming, high-emission, high-pollution development has caused irreparable damage to ecosystems and natural environment. With the accumulation of social material wealth and the improvement of people's living standard, living environment has become a more concerned issue. The frequent occurrence of large-scale haze weather and the frequent occurrence of extreme weather make people yearn for clean air and beautiful environment. Therefore, the green economy of low energy consumption, low emission and low pollution has become the inevitable direction and trend of our country's development. Secondly, as the core of economic development, the banking industry, which plays a dominant role in capital, now faces many difficulties: the capital market grabs the bank's liquid capital, the interest margin profit loses the development space, and the traditional profit mode is obviously weak. Coupled with the high level of bad loans in banks, it has been widely recognized that the banking industry is now facing a difficult situation, so it is urgent to seek a new development model and profit growth point. Based on the above reasons, the green credit business of commercial banks emerges as the times require, and green credit is developed on the basis of "Equator principle". The equatorial principle is a common principle based on the recognition of corporate responsibility and social responsibility in the field of financial environment protection. Now green credit has become the direction of development advocated by commercial banks and the government. The effect of green credit on environmental protection is obvious, but the impact on the profitability of commercial banks is not clear. Commercial banks are more concerned about whether green credit can bring benefits to them. In this paper, the profitability of commercial banks is studied by green credit. Firstly, the basic principle of green credit and the basic theory of green credit in commercial banks are expounded. Then introduce the development of green credit of commercial banks in China, select the factors that affect the profitability of commercial banks, search the data and use panel regression model for empirical analysis. The concrete influence of green credit on commercial banks' profitability is obtained. Finally, combining the actual situation and existing problems of green credit development of commercial banks in China with the results of empirical analysis, we find out the key points of the problems, and put forward some feasible suggestions on the profitability of commercial banks and the development of green credit. In order to protect the environment and provide commercial banks with new and sustainable profit growth point, green credit can promote the development of China's green economy and contribute to the construction of ecological civilization in China.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F832.33;F830.42
本文编号：2229369
[Abstract]:The extensive development of economy has rapidly accumulated a large amount of material wealth for the society. It is imperative and most effective in the period of material scarcity to make great contributions to the economic development of our country. But this energy-consuming, high-emission, high-pollution development has caused irreparable damage to ecosystems and natural environment. With the accumulation of social material wealth and the improvement of people's living standard, living environment has become a more concerned issue. The frequent occurrence of large-scale haze weather and the frequent occurrence of extreme weather make people yearn for clean air and beautiful environment. Therefore, the green economy of low energy consumption, low emission and low pollution has become the inevitable direction and trend of our country's development. Secondly, as the core of economic development, the banking industry, which plays a dominant role in capital, now faces many difficulties: the capital market grabs the bank's liquid capital, the interest margin profit loses the development space, and the traditional profit mode is obviously weak. Coupled with the high level of bad loans in banks, it has been widely recognized that the banking industry is now facing a difficult situation, so it is urgent to seek a new development model and profit growth point. Based on the above reasons, the green credit business of commercial banks emerges as the times require, and green credit is developed on the basis of "Equator principle". The equatorial principle is a common principle based on the recognition of corporate responsibility and social responsibility in the field of financial environment protection. Now green credit has become the direction of development advocated by commercial banks and the government. The effect of green credit on environmental protection is obvious, but the impact on the profitability of commercial banks is not clear. Commercial banks are more concerned about whether green credit can bring benefits to them. In this paper, the profitability of commercial banks is studied by green credit. Firstly, the basic principle of green credit and the basic theory of green credit in commercial banks are expounded. Then introduce the development of green credit of commercial banks in China, select the factors that affect the profitability of commercial banks, search the data and use panel regression model for empirical analysis. The concrete influence of green credit on commercial banks' profitability is obtained. Finally, combining the actual situation and existing problems of green credit development of commercial banks in China with the results of empirical analysis, we find out the key points of the problems, and put forward some feasible suggestions on the profitability of commercial banks and the development of green credit. In order to protect the environment and provide commercial banks with new and sustainable profit growth point, green credit can promote the development of China's green economy and contribute to the construction of ecological civilization in China.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F832.33;F830.42
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