Green Banking as a Strategic Sustainability Initiative : An Empirical Analysis
戦略的サステナビリティイニシアチブとしてのグリーンバンキング：実証分析 (AI 翻訳)
Dr. Nandini Jagannarayan, Dr. Mala Goplani, Dr. R Uma, Ms. Priti Dayashankar Pandey
🤖 gxceed AI 要約
日本語
本論文は、2019年から2023年にかけての25行年のパネルデータを用いて、グリーンバンキングの構造的要因と制度的効果を実証的に分析した。回帰分析では、総融資ポートフォリオの規模、銀行の所有構造、時間の経過がグリーンファイナンス配分の有意な予測因子であり、説明力は82%であった。PCAにより持続可能性ファイナンスの構成概念が抽出され、SEMは持続可能性ファイナンスが環境パフォーマンスに直接・間接的に影響を与えることを確認した。政策含意として、規制強化、ESG連動報酬、開示要件、グリーンボンド市場の拡大が米国の気候変動対策を加速すると論じている。
English
This paper empirically examines the structural determinants and institutional effects of green banking using panel data of 25 bank-years from 2019 to 2023. Regression results show that total loan portfolio size, bank ownership structure, and time are significant predictors of green finance allocation, explaining 82% of variance. PCA identifies a coherent sustainability financing construct, and SEM confirms direct and indirect paths from sustainability financing to environmental impact. Policy implications emphasize regulatory support, ESG-linked incentives, disclosure requirements, and green bond market development to accelerate climate-oriented financial change in the U.S.
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
日本の銀行業界でもグリーンボンドやサステナブルファイナンスの拡大が進んでいるが、本論文の分析フレームワークは国内金融機関のグリーンバンキング戦略評価に応用可能である。特に、銀行規模や所有構造が与える影響は、日本の地域銀行とメガバンクの違いを考察する上でも示唆に富む。
In the global GX context
This paper contributes to the global literature on transition finance by providing empirical evidence on the determinants of green lending and its environmental impact. The multi-method approach (regression, PCA, SEM) offers a robust framework that can be applied to assess green banking initiatives in other jurisdictions, including those adopting ISSB or TCFD-aligned disclosure.
👥 読者別の含意
🔬研究者:Provides empirical evidence on determinants of green finance allocation using a multi-method analytical framework (regression, PCA, SEM) that can be replicated in other contexts.
🏢実務担当者:Insights on how bank size and ownership structure affect green lending; useful for strategic planning and resource allocation in sustainable finance.
🏛政策担当者:Highlights the need for regulatory support, ESG-linked performance incentives, and green bond market development to accelerate climate-oriented financial change.
📄 Abstract（原文）
The banking sector is at a starting point of developing sustainable development by channeling capital towards environmentally friendly investments. Banks are increasingly turning into agents of low-carbon economic change through green financing instruments, i.e. renewable energy loans, climate-resilient infrastructure financing, sustainable agriculture credit, and green bonds. The paper is an empirical examination of the structural determinants and institutional effect of green banking initiatives on panel-based data that consists of 25 bank-years of data between 2019 and 2023. The multi-method analytical framework was embraced, which incorporated descriptive statistics, multiple regression analysis, Principal Component Analysis (PCA), and Structural Equation Modeling (SEM) in evaluating the intensity of sustainability integration in banking institutions. Regression outcome illustrates that the size of total loan portfolio, bank ownership structure and changes over time are marked predictors of green finance allocation, as the equation accounts for 82% of the variability (R 2 = .82 p, 0.001). The provision of larger banks and those equipped with institutional support is more allocation to green assets, which implies scale effects and the impact of governance on adopting sustainable finance. PCA is used to determine a significant sustainability financing construct that explains 62.4 percent of the total variation meaning that there is a great internal consistency in the indicators of green lending. SEM analysis also confirms the structural routes of integration of sustainability. Another direct effect of sustainability financing on environmental impact ( =.84, p <.001) and indirectly through institutional commitment ( =.36, p =.021). The indices of model fit assure the adequacy (CFI = .95; RMSEA =.048) of the structural model. Together, the results show that green banking has grown to have an exterior involvement in corporate social responsibility (CSR) to a more integral financial concept. The policy implications point to the significance of regulatory levels, ESG-based performance payments, disclosure requirements, and green bond market growth to U.S. climate-oriented financial change acceleration..
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.48175/ijarsct-31093first seen 2026-07-02 06:28:37
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