| 摘要: |
| 党的二十大报告强调了“加快发展方式绿色转型”“积极稳妥推进碳达峰碳中和”的重要性。作为重要的绿色金融工具，绿色信贷对于推动我国的绿色转型发展，以及实现“双碳”目标具有重大意义。以25家上市商业银行2010－2023年的相关数据为样本，实证研究绿色信贷对我国商业银行资产质量的影响。研究结果表明，绿色信贷能够降低商业银行的不良贷款率，提高资产质量。进一步研究发现，非利息收入会弱化这种负向影响，而净资产收益率和资本充足率会强化这种负向影响。对于大型国有商业银行，绿色信贷业务会降低不良贷款率；对于城市商业银行，绿色信贷业务对不良贷款率没有显著性影响；对于全国性股份制商业银行，绿色信贷业务会提高不良贷款率。研究结论为商业银行优化绿色信贷业务提供了理论基础和实践参考。 |
| 关键词: 关键词：绿色信贷；商业银行；资产质量 |
| DOI： |
| 分类号:F832.33 |
| 基金项目:基金项目：重庆市社会科学规划项目“重庆金融服务乡村振兴战略研究”（2023SZ37）；重庆市社会科学规划项目“全面绿色转型背景下重庆金融体系风险管理能力提升研究”（2022NDYB43）。 |
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| Research on the Impact of Green Credit on the Asset Quality of Commercial Banks in China |
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CHEN Yi-xuan1，2，PENG Yu-han3，TANG De-xiang41,2,3,4
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1.（1.Chongqing Federation of Social Sciences;2.Western Financial Research Institute;3.China Construction Bank Chongqing Fengdu Chengdong Sub-branch;4.Chongqing University of Technology School of Economics and Finance）
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| Abstract: |
| The report of the Twentieth National Congress of the Communist Party of China （CPC） emphasised the importance of ‘accelerating the green transformation of the development mode’ and ‘actively and steadily pushing forward carbon peaking and carbon neutrality’.As an important green financial tool，green credit is of great significance in promoting China’s green transition and realizing the goal of ‘Dual Carbon’.This paper empirically investigates the impact of green credit on the asset quality of China’s commercial banks using the data of 25 listed commercial banks from 2010 to 2023 as samples.The results show that green credit can reduce the non-performing loan ratio of commercial banks and improve asset quality.Further research finds that non-interest income weakens this negative effect，while total return on assets and capital adequacy ratio strengthens it.In addition，for large state-owned commercial banks，green credit business reduces the NPL ratio；for urban commercial banks，green credit business has no significant effect on the NPL ratio；and for national joint-stock commercial banks，green credit business increases non-performing loan ratio.The findings provide a theoretical basis and practical reference for commercial banks to optimize their green credit business. |
| Key words: Key words：Green Credit；Commercial Banks；Asset Quality |
