绿色信贷对股份制商业银行经营绩效的影响

基于全局主成分分析法，以11家股份制银行2009—2021年的数据为样本，研究在单一银行类别里绿色信贷对银行经营绩效的影响，并运用固定效应模型进一步验证。结果表明，总体上绿色信贷有利于银行经营绩效的提升。分阶段看，从初期到过渡期，绿色信贷对银行经营绩效的影响先正后负；远期绿色信贷对银行经营绩效仍呈正向影响，但由于相关配套机制不健全等原因，正向影响的幅度并不突出，这是导致目前绿色信贷发展不足的原因。

Green Credit's Impact on the Performance of Joint-stock Commercial Banks

Based on the global principal component analysis method, taking the data of 11 joint-stock banks from 2009 to 2021 as samples , the influence of green credit on bank performance in a single bank category was studied and further verified by using the fixed effect model. The results show that, on the whole, green credit is beneficial to the improvement of bank performance. In stages, from the initial stage to the transition stage, the impact of green credit on bank performance is positive first and then negative; Long-term green credit still has a positive impact on the bank''s operating performance, but due to the imperfect related supporting mechanisms, the positive impact is not prominent, which is the reason why the current level of green credit development is insufficient.