The Impact Of Green Credit On The Performance Of Commercial Banks ——Empirical Analysis Based On Panel Data Of 15 Listed Banks

With the deepening of China’s sustainable development,China’s major commercial banks have also launched green credit business with the concept of green sustainable development.Green credit business is sought after by enterprises practicing the concept of green development because of stricter audit standards and greener screening methods of loan objects.Commercial banks also hope to improve the traditional credit business system by issuing green credit business.With the deepening of China’s sustainable development strategy,whether green credit business can really play a role in promoting the business performance of commercial banks has become an important issue concerned by commercial banks and even all sectors of society.Therefore,in order to solve the problem of unclear relationship between green credit business development and business performance of commercial banks,this paper hereby carries out an empirical study on green credit business and business performance of commercial banks.Firstly,this paper collects the green credit issuance data of 15 listed commercial banks on Guoxin golden sun app,and makes a comprehensive analysis of the development status of green credit business of commercial banks combined with relevant data.It is found that the relationship between risk and bank income is unclear,the reputation effect is not effectively brought into play,and the ability of financial innovation is insufficient Lack of strong legal supervision.Secondly,this paper uses the method of multiple regression analysis to explore the relationship between green credit and commercial banks’ profit performance,debt repayment performance,risk performance and asset performance.The results show that there is no significant correlation between green credit and the spot net profit of commercial banks,but the balance of green credit has a significant positive impact on the net profit of commercial banks lagging behind the first period;The proportion of green credit has a significant positive impact on the asset liability ratio of commercial banks;The balance of green credit has a significant positive impact on the provision coverage,but the proportion of green credit has a significant negative impact on the provision coverage;Green credit has no significant impact on the non-performing rate of spot and one lag period.Finally,it puts forward relevant suggestions to promote the development of commercial banks and green credit business: first,improve the risk return relationship of green credit business;Second,strengthen the reputation effect of green credit;Third,enhance the green financial innovation of commercial banks;Fourth,optimize the legal guarantee system of green credit.