摘要：从二十一世纪以来，我国的银行业对外开放的程度也不断加深，尤其是在金融全球化的进程迅速发展的背景下，以更快的步调渐渐步入健康并且有序的轨道发展。在越来越激烈的竞争中，成为中国银行业和政府开始广泛关注商业银行在盈利方面的能力。但经济发展的速度愈来愈高，使得经济发展与环境保护之间的矛盾也渐渐开始表现出来，随着时代发展的需求，绿色信贷出现了。本文便着重于“绿色信贷”这样的一个可以推进可持续经济发展有效金融工具的研究与分析，以期对商业银行的绩效产生助推的作用，进而助力我国绿色经济的有效发展。本文首先对于绿色信贷进行了文献综述，并在文献综述的基础上定义了商业银行绩效的概念。其次，从理论的角度、从外部和内部两方面，分析了影响中国商业银行绩效的各个要素。通过理论分析的结果进而建立实证模型，选取 2009 年-2015 年6年间 12 家银行的数据作为分析样本，并运用面板回归模型从而进行回归分析。根据回归分析，得出了绿色贷款与我国商业银行绩效呈现负相关的关系，这证明绿色信贷在我国商业银行的发展还存在着一些问题。但我们相信，随着我国政府出台相关政策、完善法律法规，绿色信贷对我国商业银行盈利能力的影响会越来越明显，从而促进我国经济增长方式的转变和经济结构的调整。

关键词：绿色信贷   商业银行盈利能力   面板模型

The effect of green credit on the performance of commercial banks in  China

Abstract：Since the 21st century, China's banking industry opening to the outside world degree deepening, especially in the process of financial globalization under the background of rapid development, at a faster pace gradually embarked on a track of healthy and orderly development. In a growing competition, China's Banks and governments have become widely concerned about the profitability of commercial Banks. But more and more high, the speed of economic development for the contradiction between economic development and environmental protection, also gradually began to appear, so green credit mechanism should be formed, this article will focus on the analysis of "green credit" such a start of sustainable economic development of effective financial instruments, in order to produce good effect on the performance of commercial Banks, and help the effective development of China's green economy. Based on the literature review on green credit, this paper firstly defines the concept of commercial bank performance. Secondly, from the perspective of theory, the internal elements and external factors that affect the performance of Chinese commercial Banks are analyzed. By the results of theoretical analysis and the empirical model, selection of 10 Banks in 2009-2009, six years of data as the analysis sample, and USES panel regression model and regression analysis. Finally, this paper analyzes the problems existing in the development of commercial banking in China , and gives corresponding policy Suggestions. We believe that with the relevant government policies, the perfection of laws and regulations, green credit impact on the profitability of Chinese commercial Banks will be more and more obvious, so as to promote China's economic growth mode transformation and adjustment of economic structure.

Key words:Green credit;Profitability of commercial; Panel model

目录

摘要 1

关键词 1

Abstract 1

Key words 1

一、引言 2

二、文献综述 2

(一) 国外文献综述 2

（二）国内文献综述 3

三、 商业银行绩效及影响因素的理论分析 4

（一）商业银行绩效的概念界定 4

（二）商业银行绩效影响因素的理论分析 5

（三）绿色信贷影响商业银行绩效的理论分析 5

四、绿色信贷影响中国商业银行绩效的实证分析 7