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Green Finance, Digitalization, and Banks' Sustainable Business Model Innovations Toward Net‐Zero Transitions

グリーンファイナンス、デジタル化、ネットゼロ移行に向けた銀行の持続可能なビジネスモデル革新 (AI 翻訳)

Akihisa Mori

Business Strategy and the Environment📚 査読済 / ジャーナル2026-05-05#トランジション・ファイナンスOrigin: CN経営インパクト: 資金調達対象セクター: finance
DOI: 10.1002/bse.70955
原典: https://doi.org/10.1002/bse.70955
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🤖 gxceed AI 要約

日本語

本研究は、中国の銀行におけるグリーンローンと再生可能エネルギー融資、デジタル化、持続可能なビジネスモデル革新（SBMI）の関係を統計分析と複数ケーススタディで調査。地域銀行がグリーン融資目標達成のためポートフォリオを再構築し、風力発電融資を地域産業チェーン強化と捉えた銀行のみが積極的にSBMIを進めた。政府の持続可能性開示要件、金融・電力システムのデジタル化、金融機関の共進化が促進要因であることを示唆。

English

This study investigates the mechanisms between green loans, digitalization, and banks' sustainable business model innovations (SBMIs) in Chinese banks using statistical analysis and multiple case studies. It finds that green loans triggered SBMIs in a few regional banks, particularly those that reframed wind power finance as enhancing local industrial chains. Government sustainability disclosure requirements, digitalization in financial and electricity systems, and co-evolution of financial institutions are enabling factors.

Unofficial AI-generated summary based on the public title and abstract. Not an official translation.

📝 gxceed 編集解説 — Why this matters

日本のGX文脈において

日本の銀行にとっても、グリーン融資とデジタル化の連携は重要。SSBJ開示や移行金融の実践において、地域銀行のSBMI事例は参考になる。

In the global GX context

This study contributes to global transition finance literature by showing how green loans and digitalization drive sustainable business model innovations in banks, with implications for disclosure requirements and fintech integration.

👥 読者別の含意

🔬研究者:Provides empirical evidence on how green finance and digitalization interact to drive bank business model innovation, useful for transition finance research.

🏢実務担当者:Highlights how regional banks can leverage green loans and digitalization to innovate business models, relevant for sustainability strategy and disclosure.

🏛政策担当者:Suggests that sustainability disclosure requirements and digital infrastructure can enable banks' green transitions, informing policy design.

📄 Abstract（原文）

ABSTRACT Financial capital is widely recognized as having the potential to provide investments needed for net‐zero transitions. While recent empirical studies reveal that financial digitalization and fintech have changed Chinese banks' loan portfolios and business models, they stem from credit restrictions on heavily polluting enterprises and from Chinese manufacturers' dominance in decarbonization technologies. To address this research gap, this study investigates on‐the‐ground mechanisms between green and renewable loans, digitalization, and banks' sustainable business model innovations (SBMIs) by statistical analysis and multiple case studies with heterogeneous tests. The results reveal that green loans have triggered SBMIs in a few regional banks. Regional banks have reoptimized their loan portfolios to attain the green finance targets. Only those who reframed wind power finance as enhancing local industrial chains have actively advanced SBMIs. This finding suggests that the government sustainability disclosure requirement, digitalization in financial and electricity systems, and the co‐evolution of financial institutions are enabling factors.

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