近日，我院万凯博士以第一作者身份完成的学术论文《Extreme weather and the financial sustainability of rural commercial banks: evidence from China》在SSCI期刊《Applied Economics》在线发表，《Applied Economics》是JCR Q2区，ABS2星期刊。
论文题目
Extreme Weather and the Financial Sustainability of Rural Commercial Banks: Evidence from China
论文摘要
Rural commercial banks play a key role in providing financial services in rural areas of China. However, the adverse consequences of extreme weather events pose significant challenges to the financial sustainability of these banks. Using data from 71 rural commercial banks in China between 2007 and 2022, this paper empirically analyzes the impact of extreme climate events on the financial sustainability of rural commercial banks. The study finds that extreme weather significantly reduces the profitability and technical efficiency of rural commercial banks. The impact of extreme precipitation is more pronounced compared to that of extreme high and low temperatures. Moreover, rural commercial banks located in major grain-producing regions, with higher levels of financial competition and digitalization, are more significantly affected by extreme precipitation. Extreme precipitation primarily affects the asset quality of individuals, households, and enterprises by reducing deposit volumes and loan availability, thereby undermining the financial sustainability of rural commercial banks. The study suggests that a collaborative mechanism led by the government and involving multiple stakeholders should be established. This can be achieved by optimizing the internal risk management of rural commercial banks, strengthening the mechanisms for climate risk prevention and mitigation, and continuously improving financial services in rural areas.
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作者简介
万凯，博士，杭州电子科技大学经济学院讲师。主要研究方向为低碳经济和技术创新，在Journal of Environmental Management、Energy Policy、Economic Analysis and Policy、Applied Economics等核心期刊上发表学术论文18篇。
