A Study On The Impact Of Green Credit On The Profitability Of China's Commercial Banks On The Influence Of Green Credit

The extensive development of economy has accumulated a great deal of material wealth for the society,which is the most effective way in the period of material shortage.But this high energy consumption,high emission,high pollution development mode on the ecosystem and the natural environment caused irreparable damage.With the continuous accumulation of social material wealth,people's living standards continue to improve,the living environment has become more concerned about the issue.Frequent large-scale haze weather,extreme weather are frequent,so that people are more eager to clean air,beautiful environment.Therefore,low energy consumption,low emission,low pollution green economy has become the inevitable direction and trend of China's development.Second,as the core of economic development,the capital has a dominant role in the banking industry,now facing many difficulties: the capital market to seize the bank's liquidity,interest rate profit loss of development space,the traditional profitability was weak,coupled with bank bad debts Remains high,it is generally recognized that the banking industry is currently facing difficulties,which need to seek new development models and profit growth point.Based on the above reasons,the green credit business of commercial banks came into being,and green credit was developed on the basis of "Equator Principle".The principle of equator is a common principle that the financial sector should meet on the basis of corporate responsibility and social responsibility.Green credit has become the development direction of commercial banks and government.The effect of green credit on environmental protection is obvious,but the impact on the profitability of commercial banks is not clear.Commercial banks are more concerned about whether green credit can bring enough income.In this paper,the green credit profitability of commercial banks as the research object,firstly expounds the basic principle and the relevant commercial bank green credit green credit theory in the actual operation,and the development of China's commercial banks green credit was introduced.The selected factors impact on the profitability of commercial banks,and search the data using panel regression model for the empirical analysis,the specific impact of green credit on the profitability of commercial banks.Finally,the actual situation of the development of China's green credit of commercial bank and the existing problems and the results of empirical analysis,combined with the analysis,find out the key of the problem for the development of the profitability of commercial banks and the feasibility of the proposed green credit.In order to protect the environment at the same time to provide new and sustainable profit growth point for commercial banks,so as to promote the development of China's green economy,and contribute to the construction of ecological civilization in China.