台风风暴浪是否会影响沿海地区的银行业绩? 来自中国的经验证据
Shouxing Li1, Zaixun Jia1, Xin Zhao1
1School of Economics, Ocean University of China, Qingdao 266100, Shandong, China.
Marine pollution bulletin
|November 4, 2024
概括
台风暴潮对中国的银行业绩产生了负面影响,特别是影响了南部和东部沿海银行. 客户的经济损失增加了违约风险,突出了改善基础设施和保险的需要.
科学领域:
- 环境科学 环境科学
- 金融经济学 金融经济学
- 风险管理 风险管理
背景情况:
- 台风风暴浪带来了重大的经济和金融风险.
- 沿海地区及其金融部门容易受到自然灾害的影响.
- 了解对银行业绩的影响对于气候风险评估至关重要.
研究的目的:
- 调查台风风暴对中国当地商业银行的业绩的影响.
- 确定加剧风暴潮对银行影响的特定区域和经济因素.
- 为减轻与海洋灾害相关的金融风险提供经验证据.
主要方法:
- 分析了来自中国沿海地区170家当地商业银行的面板数据.
- 纵向研究涵盖2008年至2022年的时间段.
- 计量经济学分析以确定影响的统计意义和规模.
主要成果:
- 台风风暴潮显著降低了银行业绩.
- 负面影响在南部和东部海洋经济区更为明显.
- 服务于农村和农业经济的银行受到了不成比例的影响.
- 影响通过增加信用客户损失,更高的违约概率和信用资产质量的降低来调解.
结论:
- 台风风暴潮对沿海银行的金融稳定性构成重大威胁.
- 缓解策略包括加强沿海基础设施,增加保险透率,并保持强大的银行资本充足度.
- 调查结果为预防灾害风险和管理脆弱沿海地区的银行气候风险提供了关键的见解.
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