崔一帆

在全球推动可持续发展和中国“双碳”目标的背景下，绿色金融已成为企业环保行为的关键驱动力。作为其核心组成部分，绿色信贷政策通过成本收益、风险约束和信息披露等机制影响企业。通过对两家采取不同环境战略的制造企业的比较案例研究，本文发现绿色信贷通过优化融资、规范管理和促进创新，有效推动了企业绿色转型。然而，挑战依然存在——政策框架薄弱、信息不对称和激励措施有限。通过明确责任、改善信息共享和加强执法来应对这些挑战，可以更好地将企业实践与经济生态目标相结合。

绿色信贷政策；企业环保行为；激励机制；案例研究；绿色金融

[1] HUANG F, ZHU H, WU S. Green credit, monetary policy, and bank risk-taking [J]. Finance Research Letters, 2025, 79: 107289-. [2] CHAO X, YUMING Z, DAVID T. Green credit policy and corporate access to bank loans in China: The role of environmental disclosure and green innovation [J]. International Review of Financial Analysis, 2021, 77. [3] WEI L, LI L, KOU F. How does green finance policy improve urban ecological resilience? Evidence from a quasi-natural experiment on green credit interest subsidies [J]. Finance Research Letters, 2026, 92: 109575-. [4] WANG J, SUN X, QI W. The Effect of Green Credit Policies on Sustainable Innovation: Evidence and Mechanisms from China [J]. Sustainability, 2026, 18(2): 784-. [5] WANG N, WAN Y, YANG K. Green Credit Policy, ESG Performance, and Corporate Capital Structure—Empirical Evidence from Chinese Listed Companies [J]. Sustainability, 2025, 18(1): 376-. [6] MA Y, CHEN D. How green credit policies drive green innovation: evidence from a natural experiment in China [J]. Journal of Economic Behavior and Organization, 2025, 239: 107265-. [7] YAN M, LI W, LI J, et al. Assessing local government responses to green credit policies and their impact on urban carbon emissions in China [J]. Energy Strategy Reviews, 2025, 62: 101936-. [8] 肖倩. 我国企业社会责任信息披露问题与对策研究 [J]. 河北企业, 2025, (11): 81-4. [9] 文娟, 徐晨霞, 陈蔚然. 利益相关者视角下出版企业社会责任履行优化路径 [J]. 数字出版研究, 2026, 5(01): 19-25. [10] 袁涛, 周子萌, 孙徽. 绿色信贷政策与企业绿色创新——基于银行信贷强度视角 [J]. 商展经济, 2025, (20): 130-4. [11] 王海霞. 绿色信贷政策对重污染企业投融资期限错配的影响研究 [D]; 哈尔滨商业大学, 2025. [12] 陈杰, 包健. 绿色信贷政策、银行金融摩擦与低碳经济发展 [J]. 财经科学, 2025, (10): 26-40.

点击下载PDF