环境、社会和公司治理（ESG）问题对于企业发展的重要性日益凸显。出于改善通过银行贷款资助的经济活动的需要，企业对社会责任贷款的需求与日俱增。为了响应这一趋势，越来越多的银行将ESG标准纳入其贷款实践，例如缩减或剥离一些高能耗、高污染行业或项目的资金支持，同时利用贷款来促进或鼓励企业的可持续发展措施。所有这些贷款标准的变化表明，银行正在根据企业的ESG表现调整借款人目标，银行和企业间借贷关系的匹配机制发生了相应的变化。本文结合融资约束理论分析企业的ESG表现如何影响银行的贷款决策，推演借款企业和贷款银行之间的匹配机制，以及这一机制对贷款定价的影响。经过研究得出以下结论：（1）企业的ESG表现越好，越容易取得银行贷款。（2）ESG表现好的银行和企业更容易相互匹配。（3）ESG表现较好的企业能够从ESG表现较差的银行获取利率更低的贷款。根据上述结论，从宏观和微观层面提出了对策和建议，并指出研究的不足以及未来发展的方向。

      Environmental, social and corporate governance (ESG) issues are becoming increasingly important for business development. The need to improve economic activity financed by bank loans has led to a growing demand for socially responsible lending by corporates. In response to this trend, more and more banks are incorporating ESG standards into their lending practices, such as scaling back or divesting financial support for some energy-intensive and highly polluting industries or projects, while using loans to promote or encourage sustainable development measures in enterprises. All of these changes in lending standards indicate that banks are adjusting borrower targets according to corporates' ESG performance, and the matching mechanism of lending relationships between banks and corporates has changed accordingly. Based on the theory of financing constraints, this paper analyzes how corporates' ESG performance affects banks' lending decisions, deduces the matching mechanism between borrowers and lenders, and the effect of this mechanism on the yield spread. The following conclusions are drawn: (1) The better the ESG performance of the corporate, the easier it is to obtain bank loans; (2) Banks and corporates with good ESG performance are more likely to match each other; (3) Corporates with good ESG performance can obtain loans with lower interest rates from banks with poor ESG performance. According to the above conclusions, countermeasures and suggestions are put forward from the macro and micro levels, and the deficiencies of the research and the direction of future development are pointed out.