绿色信贷对中国商业银行盈利能力的影响

发布时间：2018-04-25 06:49

本文选题：绿色信贷 + 商业银行盈利能力　；参考：《吉林大学》2014年硕士论文

【摘要】：改革开放以来，我国银行业对外开放程度也日益加深，特别是在金融全球化进程的迅猛发展的背景下，以更快的步伐逐渐步入健康有序的发展轨道。在日益激烈的竞争环境中商业银行的盈利能力成为中国银行业和政府广泛关注的焦点。但随着经济发展速度的提高，，环境与经济发展之间的矛盾亦开始逐步显现，绿色信贷机制便应时而生，本文便注重分析“绿色信贷”这样一个启动可持续经济的有效工具，以期对商业银行盈利产生良好作用，进而对实现我国绿色经济发展有所帮助。本文在对商业银行盈利能力决定因素和绿色信贷进行文献综述的基础上，首先界定商业银行盈利能力的概念。其次，从理论角度，剖析了影响中国商业银行创收的内外在要素。通过理论分析结果建立实证模型，选取2008年-2012年5年期间13家银行的数据作为分析样本，运用个体固定效应模型进行回归分析。通过本文的分析，数据显示，绿色信贷与商业银行赢利具有显著的负相关关系，这与理论分析的结果大相径庭，因此如何转变这种短期困境，增加绿色信贷的贡献，解决绿色信贷在发展中的问题，进而发展成长远利益，是我们现阶段最大的任务。最后本文从五个出发点来剖析绿色贷款在我国商业银行业发展中存在的问题，并给出相应的政策建议。我们相信随着政府相关政策的出台、法律法规的完善，绿色信贷对我国商业银行盈利能力的影响会越来越明显，以促进我国经济增长方式的转变和经济结构的调整。
[Abstract]:Since the reform and opening to the outside world, the banking industry of our country has become more and more open to the outside world, especially in the context of the rapid development of the financial globalization process, and gradually stepped into a healthy and orderly development track at a faster pace. In the increasingly competitive environment, the profitability of commercial banks has become the focus of Chinese banks and the government. However, with the improvement of economic development speed, the contradiction between environment and economic development begins to appear gradually, and the green credit mechanism comes into being. This paper focuses on the analysis of "green credit", which is an effective tool to start a sustainable economy. With a view to commercial banks profit has a good role, and then to achieve the development of green economy in China. Based on the literature review of the determinants of commercial banks' profitability and green credit, this paper first defines the concept of commercial banks' profitability. Secondly, from the theoretical point of view, analyzes the internal and external factors that affect the income generation of Chinese commercial banks. The empirical model is established through the theoretical analysis results. The data of 13 banks from 2008 to 2012 are selected as the analysis samples, and the individual fixed effect model is used to carry out regression analysis. Through the analysis of this paper, the data show that green credit has a significant negative correlation with commercial bank profits, which is different from the results of theoretical analysis. Therefore, how to change this short-term dilemma and increase the contribution of green credit, It is our biggest task to solve the problem of green credit in development and develop into long-term benefits. Finally, this paper analyzes the problems of green loan in the development of commercial banking in China from five starting points, and gives the corresponding policy recommendations. We believe that with the introduction of relevant government policies and the perfection of laws and regulations, the influence of green credit on the profitability of commercial banks in China will become more and more obvious, in order to promote the transformation of economic growth mode and the adjustment of economic structure in China.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F832.33

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