Research On The Impact Of Green-credit Policy To The Risk And Profit Of Commercial Banks

Since the completion of the second industrial revolution in human society,the world economy has been rapidly developed,but the contradiction between economic development and ecological environment is increasingly apparent.Since the 1970s,humans began to realize the importance of environmental protection.Although current environmental issues has attracted the world's attention,but environmental protection action and achievements are different in different countries.Commercial banks play important role in the implementation of environmental protection because they implement green credit policy to facilitate the balance between economic development and ecological environment protection and sustainable development.This thesis analyzes the impact of green credit on the credit risk and profitability of commercial banks,and finds out the endogenous motivation and necessity of commercial banks to carry out green credit.First,this thesis describes the meaning of green credit and its development at home and abroad.Then it investigates theoretical basis of green credit.Second,this thesis provides the concept of profitability of commercial banks and indicates that green credit on credit risk,product innovation,social reputation and international competitiveness of commercial banks can affect the profitability of commercial banks.Then,it conducts the empirical analysis of the influence of green credit on commercial bank's profitability with the data of 16 A-share listed banks in the period 2007-2016.On one hand,it analyzes the influence of the internal factors such as asset size,capital adequacy ratio,risk management ability and operating efficiency of commercial banks on the profitability of commercial banks.On the other hand,the impact of macroeconomic development,banking financial market structure and other external economic environment factors are also examined.Third,this thesis examines the concept of commercial bank credit risk and conducts the analysis of the influence of green credit on commercial bank's credit risk.It analyzes the influence of internal control management system and external economic environment on credit risk of commercial banks.What's more,it conducts case study by using industrial bank as example.Finally,this thesis provides conclusions and policy suggestions.The policy suggestions include forwarding a series of ways to establish publicity mechanism,creating public opinion atmosphere,strengthening environmental culture construction and supervision,building cooperation platform,setting up green credit committee,encouraging product innovation,and building "green talent" team.