Research On The Impact Of Green Credit On The Performance Of Urban Commercial Banks

In recent years,our economy has grown rapidly.But,the rapid growth of economy has brought a lot of environmental problems.In order to solve the increasingly serious problem of high emission and pollution,the Chinese government promulgated the Green Credit Guidelines in 2012 to guide financial institutions to develop green business.2014 saw the promulgation of the Key Evaluation Indicators for Green Credit Implementation to promote a green tilt in the credit structure of banks.2021 saw the promulgation of the Green Finance Performance Evaluation Program for the Banking Sector to incorporate green finance evaluation results into the central bank rating.As a country with the highest carbon emissions in the world,China needs commercial banks to actively promote green credit to facilitate the transformation of enterprises to green and sustainable development in order to reach the double carbon target.Therefore,In order to create green credit in city commercial banks,this research investigates the impact of green credit business on business activity of city commercial banks.Firstly,from a theoretical point of view,we systematically reviewed the domestic and international research on green credit,defined the concepts of green credit,urban commercial banks and business performance.thesis focuses on the mechanism of green credit affecting the business performance of urban commercial banks from the three perspectives of profitability,business risk,and growth capability,which gives theoretical basis for the subsequent empirical investigation.The current state and issues with the growth of green credit in urban commercial banks are next examined.And then,this bookish autograph aboriginal constructs a console abstracts archetypal from a accepted angle and conducts an empiric abstraction with the anniversary abstracts of 11 burghal bartering banks from 2013-2021 to assay the aftereffect of blooming acclaim on the business activity of burghal bartering banks from a macro perspective.The allotment of blooming acclaim is called as the blooming acclaim appraisal index,the acknowledgment on absolute assets,the non-performing accommodation arrangement and the advance rate of operating income as the asset size,the deposit-to-loan ratio,the cost-to-income ratio,the gearing ratio and the capital adequacy ratio as the endogenous control variables,and the economic growth rate and the M2 growth rate as the exogenous control variables.The sole anchored aftereffect console archetypal is acclimated to analyze the appulse of blooming acclaim on the earning ability and business accident of burghal bartering banks.The stochastic effects panel model is used to analyze the influence of green credit on the growth capacity of city firms.Then,on the basis of common analysis,the Bank of Jiangsu,which has the best green credit development among urban commercial banks,is selected to conduct a case study based on its specific green credit data and financial data.First,the thesis reviews the development status of green credit business of Bank of Jiangsu.Secondly,the thesis studies the operating performance of Bank of Jiangsu from the perspectives of profitability,operating risk and growth ability,and finds that carrying out green credit business can promote the reduction of operating risk and the improvement of growth ability of Jiangsu Province,but cannot increase its profitability,which is basically consistent with the results of empirical generic analysis.Finally,based on a summary of theoretical and empirical studies,and taking into annual the problems in the development of blooming acclaim in burghal bartering banks and the practices of bartering banks in blooming acclaim at home and abroad,we adduce suggestions to advance the development of blooming acclaim to enhance the business activity of burghal bartering banks based on the perspectives of burghal bartering banks and the government.The main research conclusions are as follows:(1)Looking at the profitability of city banks,in the antecedent date of developing blooming credit,blooming acclaim has a abrogating appulse on the advantage of burghal bartering banks.(2)Looking at the operational risk of city banks,empirical studies show thatthe college the allotment of blooming credit,the lower the non-performing accommodation percentage,blooming acclaim assists the administration of acclaim accident of burghal bartering banks and can abate the operational accident of burghal bartering banks.(3)In terms of the growth capacity of city banks,empirical studies show that green credit can increase the growth rate of business income of urban commercial banks,so as to improve the growth capacity of urban commercial banks.