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4835文章基于环境责任评分，检验了环境风险对商业银行贷款利率的影响。研究发现，环境责任评分越高，上市公司从商业银行获得的贷款利率越低。这种影响因商业银行对环境责任评分的解读差异而不同。对于有信息搜集优势的商业银行，环境责任评分提供的增量信息较少，因而对贷款利率的影响较小。商业银行对高污染行业的上市公司环境责任的预期更高，这削弱了环境责任评分对贷款利率的影响。在控制了模型内生性、样本偏差以及替代解释的影响后，上述研究结论仍然成立。文章研究表明，商业银行贷款定价考虑了借款企业的环境责任评分。
环境风险影响商业银行贷款定价吗？——基于环境责任评分的经验分析
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参考文献
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引用本文
谢芳, 李俊青. 环境风险影响商业银行贷款定价吗？——基于环境责任评分的经验分析[J]. 财经研究, 2019, 45(11): 57-69.
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