グリーンクレジット、資金制約、企業のグリーン転換：金融資源配分の視点から
Green Credit, Financing Constraints, And Corporate Green Transformation: A Financial Resource Allocation Perspective (原題)
Dewi Purwati, Ye Yi
🤖 gxceed AI 要約
日本語
グリーンクレジットが商業銀行の信用リスクに与える影響経路を、金融仲介理論と信用リスク管理の観点から検討する研究。環境要因を融資審査に組み込むことで、規制・持続可能性リスクへのエクスポージャーが低下し、貸付ポートフォリオの質が改善しうると論じる。インドネシアの新興市場を対象に、銀行の融資能力・借り手特性・制度条件への依存性を示唆する。
English
This study examines how green credit may affect commercial banks' credit risk through financial intermediation and credit risk management lenses. It argues that embedding environmental factors into borrower assessment can lower exposure to regulatory and sustainability risks, improving loan portfolio quality. Set in Indonesia's emerging-market context, it highlights dependence on lending capacity, borrower traits, and institutional conditions.
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
日本の文脈では、脱炭素に向けたトランジション・ファイナンスや銀行の気候関連リスク管理（TCFD対応）を考える上で、新興国におけるグリーン融資のリスク低減効果という比較材料を提供する。邦銀の海外投融資先のリスク評価にも示唆がある。
In the global GX context
Adds emerging-market evidence to the global debate on whether green lending lowers bank credit risk, relevant to TCFD/ISSB climate-risk disclosure and transition finance frameworks. It informs how banks integrate environmental factors into prudential lending under CSRD-era scrutiny.
👥 読者別の含意
🔬研究者:Provides a framework linking green credit channels to bank credit risk in an emerging market, useful for sustainable finance empirics.
🏢実務担当者:Suggests how embedding environmental criteria into borrower assessment may improve portfolio quality and risk management.
🏛政策担当者:Informs design of green finance frameworks that balance environmental goals with financial stability in emerging economies.
📄 Abstract（原文）
Green credit has become an important policy instrument for promoting sustainable development and integrating environmental considerations into financial resource allocation. As environmental concerns and climate-related risks increasingly influence economic activities, commercial banks are expected to play a greater role in supporting environmentally sustainable projects while maintaining financial stability. Where economic development and environmental sustainability are important policy priorities, green credit provides a potential mechanism for directing financial resources toward environmentally responsible industries. Drawing on financial intermediation theory and credit risk management perspectives, this study explores the channels through which green credit may influence commercial banks' credit risk. Green credit may reduce credit risk by encouraging banks to incorporate environmental factors into borrower assessments, strengthen lending standards, and identify potential risks associated with environmental regulations and unsustainable business practices. By directing financing toward environmentally responsible enterprises, banks may reduce their exposure to borrowers vulnerable to environmental and regulatory changes, thereby improving loan portfolio quality. These factors suggest that the relationship between green credit and credit risk may depend on banks' lending capabilities, borrower characteristics, and institutional conditions. The study is expected to contribute to the literature on sustainable finance by providing insights into the role of green credit in banking risk management within an emerging-market context. Its findings may also offer practical implications for commercial banks seeking to balance environmental responsibility with prudent lending decisions, as well as for policymakers developing green finance frameworks to support sustainable economic development and financial stability in Indonesia.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://ijefm.co.in/v9i11/Doc/9.pdffirst seen 2026-11-12 05:53:16
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