RESEARCH ON THE DEVELOPMENT OF GREEN CREDIT OF CHINESE COMMERCIAL BANKS
中国商業銀行のグリーンクレジット発展に関する研究 (AI 翻訳)
Urandelger Gantulga, null Wuenqiqige, Batkhuyag Ganbaatar
🤖 gxceed AI 要約
日本語
本研究は2018年から2024年までの中国商業銀行におけるグリーンクレジットの発展軌跡とセクター別投資パターンを分析。グリーンクレジット残高は持続的に成長し、資金が伝統的セクターからクリーン製造や循環経済などの新興産業へシフトしている。しかし、政策枠組みの不十分さや銀行内部の専門性不足などの課題が残る。
English
This study examines the development of green credit in Chinese commercial banks from 2018 to 2024, finding sustained growth and a shift from traditional sectors to emerging industries like clean manufacturing and circular economy. It identifies challenges such as insufficient policy frameworks and bank expertise, proposing enhancements to policy, incentives, and innovation.
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
中国のグリーンクレジット動向は、日本のGX金融政策（グリーントランスフォーメーション推進）や銀行の投融資戦略に参考となる。特に、政策枠組みとインセンティブ設計の課題は日本でも共通する。
In the global GX context
This paper provides empirical evidence on green credit growth in China, relevant to global discussions on transition finance and the role of commercial banks in decarbonization. It highlights structural challenges that resonate with international experiences in green finance policy design.
👥 読者別の含意
🔬研究者:Offers longitudinal data on green credit allocation in China, useful for comparative studies on green finance effectiveness.
🏢実務担当者:Provides insights into sectoral shifts and policy gaps that can inform corporate green lending strategies.
🏛政策担当者:Highlights the need for detailed policy frameworks and incentive mechanisms to scale green credit, relevant for financial regulators.
📄 Abstract（原文）
In the context of global initiatives to mitigate climate change and promote sustainable development, green finance has emerged as a critical component in the transformation and modernization of China’s financial system. Among its various instruments, green credit serves as the cornerstone of commercial banks’ green finance portfolios, playing a pivotal role in channeling capital toward energy efficient and environmentally sustainable industries while facilitating the transition to a low-carbon economy. This study systematically examines the development trajectory and sectoral investment patterns of green credit in Chinese commercial banks from 2018 to 2024. The results reveal that the overall balance of green credit has experienced sustained and robust growth, with financial resources increasingly shifting from traditional sectors such as energy and transportation to emerging industries, including clean manufacturing, energy efficient construction, and circular economy initiatives. Despite this progress, several structural challenges persist, including insufficiently detailed policy frameworks and incentive systems, limited internal motivation and professional expertise within banks, pronounced product and service homogeneity, and inadequate innovation capacity. To address these constraints, the paper proposes enhancing the policy and regulatory framework, establishing a multi-level incentive mechanism, strengthening banks’ strategic orientation and professional competencies, and fostering innovation in green financial products and services. These measures are essential for advancing the high-quality and sustainable development of green credit within China’s commercial banking sector.
🔗 Provenance — このレコードを発見したソース
- openaire https://doi.org/10.23958/ijssei/vol11-i11/430first seen 2026-05-05 19:07:14
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