Research On The Impact Of Green Credit And Green Reputation On The Performance Of My Country’s Commercial Banks

With the rapid economic development at home and abroad,the society is faced with serious environmental problems.Green credit has become an important measure to promote the coordination between economic development and environmental protection in China.Commercial banks are the main implementing agencies of green credit business in my country,and the operating performance of green credit business directly affects their enthusiasm for participation.Therefore,studying the impact of commercial financial green credit on the operating performance of commercial banks has very important value.This paper takes 18 commercial banks in my country as the research object and selects relevant data from 2012 to 2019.At the same time,it comprehensively measures the performance of commercial banks from four aspects of profitability,operating growth,asset quality and solvency,and then uses the comprehensive measurement The result of this is used as a commercial bank’s operating performance indicator,which deeply analyzes the impact of green credit and green reputation on the performance of commercial banks.Through theoretical analysis,we put forward and verified the three hypotheses in this article.The empirical results show that: first,green credit has a certain negative impact on the operating performance of commercial banks;second,green credit has a positive impact on green reputation,can promote the generation of green reputation,and green credit lags behind a positive period of positive The impact is even greater;third,green reputation has a positive impact on the operating performance of commercial banks,and it plays an intermediary role in the process of green credit’s impact on operating performance.Finally,using the operating net interest rate as an indicator of commercial bank performance to do a robustness test,the research results also support the above conclusions.Finally,based on the research of this article,suggestions are given from different angles on how commercial banks can improve their operating performance.